T
& t a t c o ] Connecticut.
'i*i 1 1 rtj ;kn ri i
ANNUAL REPORT fi
INSURANCE COMMISSIONER
'
nuntl A'ssnnblii of tbt State,
JANUARY SESSION. A. D.-1878.
P \ RT FJ R8T.
FIRE AND FIRE AND MARINE COMPANIES,
i.xni
Introduction,
ND FIUE AND MAHINK QffBI RAH< ' IBH B1 I
■Etna. Hartford 9iNorwalk, Norwalk
tut, ilurtforil 14 Orient, Hartford.
th Norwalk L8 Peo] -town
Hartford, Hartford, 21 Phoenix, Hartford
Ion, 24 ilt\.i: 41
National. Hartford. 27 Hartford 8. Boiler Insp,. Hartford, 41
KUTUAL 1 QUI ENB0XAN<
Hri~" : 426 Lit. : ft]
neotiout .Mutual. Heriden 4'. 1 iron,
bury, Danbury 51 Middlesex, Bliddletown
• I<1 m County, Norwich. . .
. Woodbury 426 Norwich, Norwich.
kilty, Farniington,...
enwich, Greenwich . Hartford 71
County, Hartford 66Tolland I >lland
:.. Harwintpn 68 Vl'indham Brooklyn
Home. Stafford Spring,
I FIBE AND FIBE AN!- MARINE OTHXB s;
Agricultural. Watertown, N. V 7'.»
B2
Pens >•
' I -. .
lJ'-. N. V. City.
Atlanti . . n V
. ... '.••.
9%
N. V Ml
;ty. In:;
Coluin K'»;
.... 1<''.'
.... 11 1
... 119
... 1 ;«
... 1 •-'»
... 124
... 12<
... 11".
i
I .... l.'!i
... 18f
Mr. -iii- .... 14.1
Firemen'a Pond, Ban Fraud
tor, MasM... us
Franklin, Philadelphia, .. 161
I
.. 161
.. 1 7»;
■
Howard, N
■
I
;
u
INDEX.
Merchants, Newark, N. J 204
Merchants, Providence, R. I., 207
New Hampshire. Manchester, N.H. 210
Newark City. Newark, N. J., 213
New York City. New York City,.... 216
Niagara, New York City, 218
Northern, Watertown, N. Y., 220
Northwestern, Nat. Milwaukee, 224
Park, New York City, 227
Pennsylvania. Phila., Penn 229
Peoples, Newark, N. J 232
Peoples, Trenton, N. J., 235
Phenix, Brooklyn, N. Y 238
Prescott. Boston, Mass 242
Providence Washington, Prov.R.I. 245
Republic. New York City, 250
Resolute. New York City, 248
Revere, Boston, Mass., 253
Ridgewood, Brooklyn, N. Y 256
Rochester German, Rochester,N.Y. 258
Roger Williams. Providence, R.I. . 261
St. Nicholas, New York City, 264
St. Paul, St. Paul, Minn., 266
Safeguard, New York City, 269
Shawmut, Boston, Mass 272
Shoe & Leather, Boston, Mass...... 274
Springfield, Springfield, Mass., 277
Standard, New York City, 280
Standard, Trenton, N. J 283
Star. New York City, 286
Traders, Chicago, 111., 289
Westchester, New Rochelle. N. Y., 291
Williamsburgh City, Willi'smbg N. Y 294
MUTUAL FIRE INSURANCE COMPANIES OF OTHER STATES.
American, Newark, N. J., 301 1 Mech. & Farmers, Worcester, Mass. 310
Holyoke. Salem, Mass., 3<)4|Newark, Newark, N. J.. 312
Lycoming, Muncy, Pa., 308|
MARINE INSURANCE COMPANIES OF OTHER STATES.
Mercantile, New York City, 173 Pacific, New York City,.
320
CASUALTY INSURANCE COMPANIES.
Knickerbocker Casualty, N. Y. City 325 [Metropolitan Plate Glass, N.Y.City, 327
FOREIGN FIRE
British America, Toronto, Canada,
Commercial Union, London, Eng..
Guardian, London, Eng
Hamburgh-Bremen, Hamburgh, Ger
Imperial, London, Eng.,
La Caisse Generale, Paris, France,.
Lancashire, Manchester, Eng
Liv. &L. & Globe, Liv. Eng.,
INSURANCE COMPANIES
331 jLondon Assurance, Lon. Eng.,
337 1 N. British & Mercantile, Lon. Eng.
Northern F. & L. London, Eng
340
343
346
334
349
352
Queen, Liverpool, Eng.,
Royal Liverpool, Eng
Royal, Canadian, Montreal, Can
Scottish Commercial, Glasgow, Scot
Western, Toronto, Canada,
356
359
362
365
368
371
374
377
Table 1. Capital, Assets, Liabili-
ties and Surplus 388
Table 2. Items composing Gross
Assets, 392
Table 3. Items composing Gross
Liabilties, 396
Table 4. Items composing Income
STATISTICAL TABLES.
Table 5.
Table 6.
Table 7.
Table 8.
during the year, 400iTabie 9.
Items composing Expen-
ditures during the year 404
Income, Expenditures,
premiums received &c 408
Risks in force, Premi-
ums received, &c 412
Business in Connecticut, 416
Comparison of Busines
1873-1874-1875-'76, '77 420
MISCELLANEOUS.
Business of the year, 425iNew Legislation, . 428
Business in Connecticut, 424-428 State Mutual Companies, 425-426
Companies admitted, 5 ' Statistical Tables, 388-424,427
Companies withdrawn, 6 Summary comparison of business in
Cos doing business in the State,
Department Receipts and Expendi-
tures, 426,429
List of Companies, 382
Connecticut, 424
Summary comparison of general
business, 424
Si lai* o f (S o n n ecii c u t
THIRTEENTH ANNUAL REPORT
INSURANCE COMMISSIONER.
I=.A.:R,T FIRST.
FIRE AND FIRE AND MARINE COMPANIES.
To the General Assembly of the State of Connecticut :
The undersigned. Insurance Commissioner, has the honor to sub-
mit Part First of the Thirteenth Annual Report of this Department,
relating to Fire and Fire and Marine Insurance Compani
Daring the past year fourteen fire insurance companies of other
States were admitted to transact business in this State, and seventeen
withdrew. In addition to those admitted from other States, tl
foreign companies were admitted
The companies admitted, were : —
Date of
Adm.
Names of Companies.
Jan. SO.
*• 31.
Feb. y.
'• 14.
" 14,
44 14.
Mir. 16.
•' i«;.
" If..
April 13.
• • 24.
June ft.
Oct. 8.
Attorni
A ilaon, N
. II. Town
ren.
rk Mutual, N. ■)
I Jolui
din, "
amity, 44
Commerce, "
0. W, Bhelton, S( a il
B. Hmji'i
iImmj.-. Columbw M * >rd
Park, New York
I
Alli*.:
I
1
C Kimball H
REPORT OF THE INSURANCE COMMISSIONER.
The companies that withdrew, were : —
Date of Withdrawal.
Names of Companies.
March
Bangor, of Bangor, Maine, re-insured.
Globe, of Boston, Mass., wound up.
May
August
Citizens, of Newark, N. J., failed and re-insured.
Germania, of Newark, N. J., withdrew,
October
Guaranty, of New York, re-insured.
a
((
Manayunk, of Philadelphia, Penn., withdrew.
Citizens of St. Louis. Mo., re-insured.
November
December
Sun. of Philadelphia, Penn., withdrew.
Philadelphia, of Philadelphia, Penn., withdrew.
Amazon, of Cincinnati, Ohio, re-insured Conn, risks
Pacific Fire, of New York, withdrew.
Franklin, of New York, withdrew.
<;
Firemen's Fund, of New York, withdrew.
»
National, of New York, withdrew.
On the 18th of September the Newark Mutual Fire Insurance Co.,
of Newark, N. J., changed its title to that of the Newark Fire In-
surance Company.
The City Fire Insurance Co of New Haven, has done no business
for the past year. All its risks were re-insured in the Security In-
surance Co. of New Haven.
The Atlas Insurance Co. of Hartford, ceased doing new business in
August, 1877, and is carrying its risks to maturity.
The following is a classification of the companies doing business in
the State at the close of the year : —
No.
Companies.
Assets.
11
19
77
Stock Companies of Connecticut
Mutual '» " "
Stock " *' other States
17,049,870 06
946,583 07
68,426,008 27
3,139,939 31
1,685 770 68
5
Mutual " " "
2
16
Foreign Fire Insurance Companies
18,770,172 10
2
1
Casualty Companies ot other States
Steam Boiler Inspection and Insurance Company
248,303 47
285,711 21
133
$110,552,358 67
Statements in detail of the condition of these companies on the
31st of December, 1877, are herewith submitted.
FIRE AND FIRE AM) MARINE
INSURANCE COMPANIES OF THIS STATE
ABSTRACTS COMPILED FROM THEIR ANNUAL STATE.
MENTS, SHOWING TIIKIIi CONDITION ON THE
31ot DAY OF DECEMBER, 187*
IB
A N XI' A L ST ATUMENTS.
AVYS \ [NSURANCE COMPANY,
Sabtfobd, Cosh.
Coniruenct'd Buemeea August 19th, 1818.
Lrcivs J. Bkrdbb, President, /otham Goodmow, Secretary
I. CAPITAL.
iUl eotnellj paid np in oasfa $8,000,000 00
II. A.S8ET8.
owned l»y the Company Qnenonmbered : —
In Hertford, Oonn |29ft,000
In Cincinnati, <>hi<> B5.000
In X 1 1 • 1 i hi ipolia, End., 65,000
[n I. Ky 10,01 I "<» «">
il Liens) not mure then one
<lu.- 94,<
Inter' I on bond end mortgege loam 1,44
Value of the lend mortgaged, (87,000
Boil ><ii
-
fci mi'! Sonde own*
atarkel Vale*.
\J.& 8 kh : —
-
L00,
Alabama, e per c. '00
8
10 -ETNA FIKK INSURANCE COMPANY.
Par Value. Market Value.
Canada Dominion stock, 6 per c, 5,n70 (59 5,070 69
Connecticut. 6 per c, 74,500 00 80,460 00
Indiana, 6 per c, 50,000 00 51,500 00
New Hampshire, per c, 50,000 00 54.000 00
Rhode Island. 6 per c, 91,000 00 1)8,280 00
South Carolina. 6 per c, 20,000 00 8,000 00
Tennessee, G per c, 31,000 00 10,850 00
Municipal Bonds : —
Hudson County, N. J , 6 per c.,.. 2^,000 00 25,500 00
Barkhamsted, Ct., town, G per c, 17,000 00 17,000 00
Hartford. " G per c, 66,000 00 G9,300 00
Norwich, " 7 per c, 100,000 00 115,000 00
Norfolk, " 6 per c, 26,000 00 26,780 00
Danbury, " 6 per c, 55,000 00 56,650 00
Windsor Locks, " 6 per c, 24,000 00 25,200 00
Pawtucket, R. I., 7 per c, 100,000 00 115,000 00
Bloomington, 111., city, 8perc.,. 20,000 00 21.600 00
Boston. Mass., " 6 per c, 50.000 00 56,000 00
Brooklyn, N. Y., *' 6 per c, 25,000 00 27,000 00
Buffalo, N. Y., " 7perc, 50,000 00 55,000 00
Cleveland. Ohio, " 6 per c, 39.000 00 40,170 00
Cleveland, Ohio, " 7 per c, 80,000 00 89,600 00
Cincinnati, O., city water, 7 p.c. 50,000 00 55,000 00
Chicago, 111., city, 7 per c, 50,000 00 54,500 00
Detroit, Mich., " 7 per c, 30,000 00 33.600 00
Hartford, Conn., " Gperc, 128,000 00 136,960 00
Indianapolis, Ind., " 7 3-10 p.c, 50,000 00 54.000 00
Iron ton, Ohio, " 8 per c, 10,000 00 10,500 00
Jersey City, N. J., " 6 per c, 46,000 00 46,920 00
Lockport, N. Y., " 7 per c, 25,000 00 26,250 00
Minneapolis, Minn. " 10 per c, 5,000 00 5,2.10 00
Montreal, Can. cor. stck, 6 per c. 13,000 00 14,300 00
" bonds, 6 per c, 22,00000 24.200 00
Newark, N. J., city, 7 per c, 50,000 00 55,000 00
New Brunswick, N.J." 7 per c, 40,000 00 42,000 00
New York city stock, 6 per c, 71,000 00 73,130 00
Pont iac, Hi , city, lo per c 12,000 00 12.600 00
Railway. N. J., city, 7 per c, 45,000 00 45,900 >
Titusville,Pa.,sch. & w. 8 & 10 p c 22.000 00 24.200 00
Toledo. Ohio, special, 7 3-10 p. c. 13,000 00 13,260 00
" " city water, 8 per, c. 5.000 00 5,500 00
EastSch. Dist. Vernon. Ct., 6 p.c. 12,000 00 12,000 00
West " " " " 4,000 00 4,000 )
Sc. dis. 24.Woodbridge, N.J. 7 p c 20,000 00 21,000 00
Atlantic Dock Company, 7 per c. 25,000 00 26,250 00
Railroad Bonds : —
Alb. & Susquehanh 2d m. 7 p c, 50,000 00 48,000 00
Cleve., C. C. I. 1st m., 7perc.,. 25,000 0) 27,250 00
Cleve., Pains. & Ash., 7perc.,... 100,000 00 105,000 CO
Cleve. & Toledo, gen. ? 7 per c.,... 85,000 00 94,350 00
\a rittti INSURANCE COMPANY. 11
Tar V.,: :■-. M .; ;.
Cbio,Bnr. ftQnin, EL F.,8pere,, 80,000 00 84,800 00
Ohio. A Northwestern, 1st, : p.c, 60,000 <»o 00
Cm. Ham. A Dayton. : per e M),000 00 60,000 00
Columbus J Xenia, 7 pare 60,000 00 WOO
D tyton a Western, <; per o 25,000 00 20,000 00
Harlem Bit. A Port 1st m, 7 p.e. 100.000 00 116,000 00
6 p.o. 60,000 00 64,000 00
H.irt.. Ptot. A Fish., 7 pare 82,000 00 84,24(
Houaatonia, 1st m.. Opera 60,( oo 62,600 00
Imli snapolis A Cin . 7 pet <• 26,000, 00 22,600 oo
Joliet A Chicago, let B.F. 8 p. c. 18,000 00 20,160 "<>
Irak A DesMoinea 1st m. 7 p.o 82,000 oo 19,200 00
fund, int. 8 p.o. 4,600 00 8,160 00
Lake Shore. 7 per e 10,000 00 11,000 00
L s. k. Mich. s,,. reg. S.F. 6 p.c. 12,000 oo 18.440 oo
Little Miami, 6 per a, 72,000 oo 72,000 oo
lliebigan Central. 2d in.. 7 per c. 60,000 00 52,500 00
Mi h. Bo. a: N. IncL gen., 7 per c. 25,000 < <> l'7..vio oo
Morris & Essex, 2d BO., 7 per c, 25,000 00 26,500 00
" 1st con., 7perc.,. 60.000 00 42,500 00
N. J. R. It. A T. Co.. 6 per c 60,000 00 51,001
N. Y. Central, fi per c 75,000 oo o oo
NY. Oen. .t Hint. B. 1st m. 7 p. c 100,000 00 122,000 00
Pitts, Ft.W. A 0. 1st m. 7 p. c... 30,000 oo c 00
I'd M 50,000 00 XI 00
Railroad Stocks : —
Albany A Bmquehanna 53,010 00 87,500 00
Ceutral Ohio, 7.200 00 8,000 00
Cleveland A Pittsburgh, 50,000 00 38,500 00
Connecticut River, 15,000 00 19,050 00
Dubuque & Sioux City 25,000 00 15,000 00
Joliet «fc Chicago, 10,000 00 10,000 00
-Moines preferred... 26,400 00 2,640 00
Ice Shore <fc Michigan Southern, 90,000 00 67,16
Morris A Betel 60,000 00 38,000 00
Y..rk Central A Hudson Uiv.. 60,000 00 68,600 00
N. Y.. New Haven A Hartford.... 100,000 00 154,000 00
Pittsburgh, Ft Wayne A Chicago, 75,000 25 00
r York A Harlem, 25,000 00 10 00
B - • s : —
. Britain Nit.. New Hrit., Ct., 10,000 18,0
First National. Albany, N. Y 10,000 00 15,000*00
m .a- lied] . : ;l,i.. Pa., 22.000 00 27,500 00
Hen sk, fit. Louie, Mo., . 00 1,250 00
. mal. ■>. 4,000 "'i
Mechanics " 10,00
*:tna •• Hartford, Ot 8 . 24,400 00
:ican 10,1 00 00
Charter O ik I) 00
» QO
12
.ETNA KIKE JNSUKANCK COMPANY.
Conn. River Bank. Co., Hart., Ct.
National Exchange Bank, "
Farm. & Mech. National, "
First
Hartford ' * ' ;
Phoenix "
State Bank. "
American Exchange Nat., N. Y.,.
Nat. Butchers & Drovers, "
National City, "
National Bank of Commerce"
Hanover National, "
Importers & Traders Nat., "
Bank of the Manhattan Co.,"
Market National, "
Merchants National, "
Merchants Exchange Nat., "
Mechanics National, "
Metropolitan National, "
Nassau Bank, "
Bk. N. Y. Nat, Bank. Asso. "
Bank of North America, "
Phenix National, "
Peoples Bank, '•
Nat. Bank of the Republic, "
Union National. "
llSCELLANEOTJS : —
Atlantic Mut. Ins. Co. scrip,
Connecticut River Co. stock,
N. Y. Life Ins. & Trust Co.. NY.
United States Trust Co.
Union Trust Co., "
Central TrustCo..
Par Value-
7,500 00
' 25,000 00
42,000 00
20..000 00
80,000 00
00,000 00
25,000 00
40,000 00
12,500 00
10,000 00
30,000 00
10,000 00
HO, 000 00
20,000 00
20,000 00
50,000 00
8,000 00
30,000 00
37,500 00
20,000 00
40,000 00
20,000 00
5,540 00
10.000 00
15,000 00
20.000 00
44,000 00
5.000 00
15,000 00
10,000 00
10,000 00
10,000 00
Market Value.
0.000 00
33,000 00
48,300 00
10,000 00
120,000 00
90,000 00
27,500 00
42,400 00
13,125 00
22,000 00
36, GOO 00
10,000 00
60,000 00
28,000 00
20,000 00
57,500 00
6,400 00
39,000 00
48,750 00
20,000 00
46,000 00
16,000 00
5.540 00
14,000 00
13,200 00
29,000 00
44,090 00
1,000 00
60,000 00
35,000 00
12,000 00
11.000 00
Total,
,$4,799,800 69 $5,211,640 69 5,211,640 69
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Hartford Carpet Co. Hart,,. ..$4, 200 00 $9,240 00)
Phoenix Nat, Bank. " ... 500 00 750 Oof $ 4 ' 080 00
N. Y. N\ H. &Hait. R, R.,... 2,700 00 4,158 00 920 00
Total, #7,400 00 $14,148 00 $5,000 00 5,000 00
Cash in Company's principal office, ' 5,264 40
Cash deposited in banks, 599.982 A2
Interest due and accrued on stocks, 6,000 00
Interest due and accrued on collateral loans and special deposits, 9,449 40
Gross premiums in due course of collection 486,021 15
Assets of the Company at their actual value.
$6,783,867 In
AETNA riRE INSURANCE COMPANY. 18
in. UAr.ii. in.
■ adjusted and unpaid $29,174 18
b reported and unadjusted 156,968 66
anted 28,801 67
Total 214,994 II
Unearned premiums on Una risks, one year or leas,. •_'•;
Unearned premiums on risks more khan one year, ... 858,840 s -
Unearned premiuma on Inland navigation risks, 4_'.~» (»()
Unearned premiums ss oomputed above 1.7
Duo for printing. Ac
Due for conmiissions and brokerage and return premiums 66,97
Total liabilities except capital stock, 2,011,997 27
Capital stock, 8,000,000 00
Surplus beyond capital, 1 . 7 7 1 .
Total liabilities including capital and surplus, $6, 783,807 16
IV. INCOME DURING THE YEVK.
Fire. Inland.
Premiums received in cash. $8,014,916 .">."> *1<):>,140 35
Deduct re-insurance, rebate, abate-
ments and return premiums, 181.8.~>5 04 23,487 79
Actual cash premiums, $2,833,060 Til $81,662 66 2.914.713 07
From interest on bonds and mortgages, 5,7!
From interest on loans and dividends on stocks and bonds, 882,588 11
From rents, 7,415 81
Actual cash income, $8,260,89
V. EXPENDITURES DUBfNG THE TEAS.
Kim. Inland.
Amount paid for losses (includ. $809,-
48r,.«>l occurring in previous $50,779 51 1,986,065 08
. dividends paid stockholders, 660,000 00
Oommiaaiona or brokerage H_-
Salariesand fees,
Taxes,
All other payments and expenses, 145,481 00
Actual cash expenditure - 10
VI. MISCELLAKEOl
wing not more than one
to run from date of ] $149,184,528 00 $1,741,
14 CONNECTICUT KIKE INSURANCE COMPANY.
Saving more than one and not more than three
years to run from date of policy 96.275,801) 00 1,171,904 84
Having more than three years to ran from dite
ofpoliey, : 32,751,881 00 434,416 57
$278,212,213 00 3,347.847 93
Inland. Premiums.
35,000 00 650 00
Premiums received since the organization of the Company 77.524. 2(, 9 68
Losses paid since the Company organized, #8,515.509 44
Cash dividends declared, 9,703,365 00
Stock dividends declared, 2,805,000 00
Stock owned by directors at date. 299,100 00
Loaned to stockholders not officers, 51,000 00
Business in Connecticut in 1877.
Fire risks taken (no inland), 15,490,743 00
Premiums received. 149.576 30
Losses paid, 73,547 44
CONNECTICUT FIRE INSURANCE COMPANY,
Hartford, Conn.
Commenced Business July, 1850.
M. Bennett, Jr., President. C. R. Burt, Secretary.
I. CAPITAL.
Capital actually paid up in cash, $1,000,000 00
II, ASSETS.
Loans on bond and mortgage, (first liens) not more than one
year's interest due, $141,000 00
Value of the land mortgaged, $223,800
Buildings (insured for $15o,500), 181,400
$405,200
; ICUT KIKK INSURANCE COMP \ N ^
16
'.s d/i(l BofUU OWtUd b$ tJn' ('mnjxiuij.
l\ir Y;iliu\ MnrUft Y:ilti«\
S AND Sta 1 : —
[ - i, 881, rag .".co. ooo 00 891.000 00
oonpon 120,000 00 128.400 00
L8C7, rag 22,01 20 00
coupon, 8,000 00 8, 180 00
B1 Ae of Oonneotioat, 16,000 00 17,280 00
IfUHZGXPAL BONDfl : —
City of New Britain (water loan), 1/5,000 00 16,200 00
Hartford 16,000 00 16,640 00
Colnmboe, Ohio *j."), ooo 00 26,000 00
liiddletown, Ot 6pero.„ 10,000 00 10,300 00
7 M 10,000 00 10,600 00
Newark, Ohio, 9,000 00 9.450 00
Erie. Pa., consolidated,... 10,000 00 10,800 00
Toledo Board of Education, 10,000 00 o 00
Railroad BONDS :--
Cincinnati A Indianapolis lo.nno 00 8,800 oo
Michigan Central 20.000 oo 20,400 00
Chicago & Iowa B0,o:i0 00 12,000 00
Burlington & Missouri B. in Nob. 10,000 00 10,600 00
N. Y.. N. H. A Hartford, 40.000 00 46,000 00
Railroad Stocks : —
Boston A" Albany 6.000 00 0.100 00
Pittsburg, Ft. Wayne A Chicago, 10,000 00 9,300 00
N Y.. N. II. A Hartford 50,000 00 77,000 00
Bank Stocks : —
Importers and Traders National,.. 23,800 o> 47.000 00
Fulton National. N. Y > 00 10,360 00
Fun.. A M-rh. National, Hart.,.. 18,800 00 21,620 00
Dal Exchange, " 13,600 00 17,676 00
Hertford National, ■« 30,000 08 46,600 00
First National. 18,600 00 17.:»7."» 00
.Ftna National. " 10,0110 00 12.0"0 00
Phoenix National, M 16,000 00 22,200 00
Charter Oak National, M 00 11,626 00
- : —
Tiffin. Ohio. Gas Co. bond* 26,000 00 26,600 00
tal ^906,900 00 $1,081,916 00 1,081.918 00
W. A II. K.
Loam on Collateral.
1
I 00 3 1,04 Ml 00
... 1 1,600 00 17,7-'."- 00 )
Phoenix National Benk 1,01)0 00 F,400 00
Conn 2,460 00
N. V.. N. B A B l: B r, 01,0 00 7,7J
Haitford Trust Go 7.000 QO 6.720 00
26,000 «
I 1
16 CONNECTICUT FIRE INSURANCE COMPANY.
Par Value. Market Value. Amt. Loaned.
State of Connecticut ;. 3,000 00 3,240 00-v
Indiana Central R. R 1,000 00 1,000 00^. 3,500 00
Hart., Prov. & F. R. R.,... 1,000 00 1,080 00 )
N. Y., N. II. & B. R. R,,... 2,000 00 3,100 00 2,640 00
." "... 5,000 00 7,750 00 2,000 00
Farm. & Mech. Nat. Bank, 2.800 00 3,220 00 2,000 00
N. Y., N. H. & H. R. R.,... 2,000 00 3,100 00 2,240 00
Case, Lock. & Brain, stock, 5,000 00 7,000 00 1,550 00
N. Y.. N. H. & H. R. R.,... 1,300 00 2,080 00 1,500 00
Hartford Bridge Co., 2 ; 640 00 2,640 00 1,480 00
N. Y., N. H. & II. R. R.,... 1,500 00 2,325 00 >
r* l.ooO 00
Middlesex Co. Nat. Bank,.. 1,300 00 1,300 00>
U. S. 5-20's, 1805, 1,000 00 1,060 00 1,000 00
National Exchange Bank,... 950 00 1,225 00 950 00
Pitts., Ft. Wayne &. Chica., 1,000 00 1,000 00 800 00
Connecticut Valley R. R.,. 2,000 00 1,500 00 800 00
Collins Co. stock, 1,550 00 1,100 00 562 00
" 980 00 700 00 480 00
.Etna National Bank, 500 00 600 00 400 00
Orient Insurance Co., 400 00 450 00) tM nn
_ f 4UU (JO
Conn. Fire Ins. Co., 500 00 560 00)
Hartford National Bank,.... 1,200 00 1.850 00 220 00
JEtna Insurance Co., 600 00 1,200 00 193 77
Total, $90,170 00^121,975 00 $74,837 77 74,837 77
Cash in Company's principal office, 187 51
Cash deposited in Hank, 97,388 82
Net premiums in due course of collection, 42,984 23
Assets of the Company at their actual value, '.. $1,388,313 33
III. LIABILITIES.
Losses adjusted and unpaid, $3,400 00
Losses reported and unadjusted, 12.875 00
Losses resisted, 6,650 00
Total, 22,925 00
Unearned premiums on fire risks, one year or less, ...$172,702 56
Unearned premiums on risks more than one year,.... 44,254 07
Unearned premiums as computed above, 216,956 63
Total liabilities except capital stock, 239,881 63
Capital sto^k 1,000,000 00
Surplus beyond capital, 148,431 70
Total liabilities including capital and surplus, $1,388,313 33
IV. INCOME DURING THE YEAR.
Premiums received in cash. $397,975 26
Deduct re insurance, rebate, abatements and return
premiums, 41,060 26
Actual cash premiums, 356,915 00
>N NICOTIC Ul FIRM IN8UH \ N KPAN1 .
Prom interest on bondi and m
Prom interest on loans ind divideu I
v ttnaJ cash income
V. EXPEND] itki.k DURING Mil; S BAR
Amount paid for Leases (inolading 112,9* or-
ring In preYioas yean, i
Deduct re-insnranoe 5,046 it
177.
dividends
liasiooa ox brokarage
81,8
All other payments and expenses, ;i u
Actual cash expenditures, >
VI. MISCELLANEOUS.
Premium*.
Bisks in force having not more than one y<
to ran from date of policy, 010 00
Having more than one and not more than three
years to run from date of poiicy 8,286,811 00
Having more than three years to run from date of
policy, 2,267,406 00
,226 00
Premiums received since the re-organization of the Company
Losses ]);iid since the re-organiz-ition of the Company 952,112 s ".
. dividends paid stockholders since the Company re-eom-
sadbnsineaa
owned by directors al date,
10(1.1
d to officers and directors -
Loaned to stockholders hot officers
Bu*
Fire ri^ks taken <no inland)
Premiums received,
Losses paid.
'6
18 FAIRFIELD FIRE INSURANCE COMPANY.
FAIRFIELD FIRE INSURANCE COMPANY,
South Norwalk, Conn.
Commenced Business May, 1870.
Winfield S. Hanford, President. Henry E. Turner, Secretary.
I. CAPITAL.
Capital actually paid up in cash $200,000 00
II. ASSETS.
Real estate owned by the Company unencumbered : —
In Sotith Norwalk, Conn., $47,88!) 63
In East Norwalk, Conn., 5,500 00
In Chicago, III., 7,000 00 $60,389 62
Loans on bond and mortgage, (first liens) not more lhan one
year's interest dne, 83,725 00
Loans on bond and mortgage, (first liens) more than one year's
interest due, 29,500 00
Interest due and accrued on bond and mortgage loans, 6,892 53
Value of the land mortgaged, $113,150 00
Buildings (insured for $85,100), 144,000 00
$257,150 00
Stocks and Bonds owned, by the Company.
Par Value. Market Value.
U. S. Stocks : —
TJ. S. 6's, reg. 1861, $45,000 00 $48,093 75
" 6's. reg. 1865, 2,000 00 2,060 00
Municipal Bonds : —
Fairfield County, 7 per c. coupon,. 10,000 00 10,500 00
Town of Norwalk, 6 per c. War.... 3,000 00 3,000 00
City of St. Joseph, Mo. 10 per c... 6,000 00 5,400 00
Town of Sumner, 111, 8 per c. coup, 4,000 00 3.800 00
Town of Portland, Ind., 3,000 00 2,875 00
Total, $73,000 00 $75,728 75 $75,728 75
Loans on Collateral.
Par Value. Market Value. Amt. Leaned.
First Nat, Bk. So. Norwalk. $1,000 00 $1,100 00 $1,<>00 00
Norwalk L.)ck Co., 1.200 00 1.080 00 850 00
Brooklyn City Kailroad Cq. 4,000 00 6,000 00 500 0Q
FA1EPIKLD PIKK [NSURANCB OOMPANT.
Par Valve. Market Value, hmt I
Mfrs. A: Merchants Bunk... 5,000 00 1,850 001
ParkaT. K. li. 7 per o 2,000 00 2, odd 00 J
Policy paid up. Mutual Life
Ins. Co., of New York... 10,500 00 1>
City of New Orleans Ea.Os [2,000 00 1,000 00 1,000 00
Korwalk Look Co., 5,400 00 4,(160 00 4,000 00
Loan to City of South Nor-
walk, on School Distbda, 2,000 00 2,00000 2,000 00
Total, $ 8,100 00 1 19,890 00 1 14,676 08 14,67
CbhinConipmy's principal office, : \ 06
Cash deposited in bank, 11,18
Interest due and accrued on stocks, l,d
Interest due and accrued on collateral loans, 666 1"
Gross premiums in due course of collection 17,.
All other property belonging to the Company, 2,54
Assets of the Company at theii^actual value, >;{;:>,ols 41
III. LIABILITIES.
adjusted and unpaid, 1,104 50
Losses reported and unadjusted, ;>,7;'.."> 00
Losses resisted, 1,487 60
Total, <;,'J77 00
Unearned premiums on fire risks, one year or less, 45,008 90
Unearned premiums on risks more than one year, 19,045 80
Amount of unearned premiums as computed above, 64,054 To
Cash dividends remedniug unpaid, 1,150 00
Due for salaries *C M0 00
Commissions, brokerage and other charges, 19 <'•*
Total liabilities except capital stock, 7l.-">
Capital stock, 100 00
Surplus beyond capital,
Total liabilities including capital and surplus §818,018 41
IV. INCOME DUBING THE YEA ft.
Premiums received in cash, 1
Deduct re-insurance, rebate, abatements and return
premiums, 18,588 n
Actual ca*h premiums,
From interest on bonds and m •••• • "I
From interest on loans and dr. .
From all other sources,
Actual eash income
20 FAIRFIELD FIRE INSURANCE CCMPANT.
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $5,230.45 occur-
ring in previous years), 62,954 09
Deduct re insurance in other companies, 1,414 42
G 1.540 57
Cash dividends 18,850 00
Commissions or brokerage, 24,321 32
Salaries and fees, 16,220 45
Taxes, 3,403 88
All other payments and expenses,.. 11.947 18
Actual cash expenditures, $136,283 40
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, $9,113,689 00 90,017 80
Having more than one and not more than three
years to run from date of policy, 2,159,005 00 23,147 74
Having more than three years to run from date
of policy, 829,913 00 11,641 76
12,102,607 00 124,807 30
Premiums received since the organization of the Company, 997,508 81
Losses paid since the organization of the Company, 592.223 49
Cash dividends paid stockholders, 128,000 00
Stock owned by directors at date, 93,800 00
Loaned to officers and directors, 4, 651,6
Loaned to stockholders not officers. 19,150 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 2,177,405 00
Premiums received on same, : 21,567 75
Losses paid 6,434 86
II M.TIOKD KIKE INSUKANCK < , -»M!
21
HARTFORD FIRE [NSURANCE COMPANY,
RabtTOBD, Conn.
Oommenoed Business August, 1810.
Gaoaoa L. c'hasi:. President. J. D
C. C. Lyman, AuUtant Secretary
I. CAPITAL.
Capital Actually paid up in cash, $1,250,00
II. ASSETS.
Real estate owned by the Company unencumbered : —
In Hartford. Couu., $803,175 60
In Chicago, 111.. 59,600 00
In Waiertown, Maes 600 00 868,175 60
Loans on bond and inortg ige, (first liens), not more than
- interest duo 916,816 67
Interest accrued on bond and mortgage loans,
Value of the land mortgaged, $tffS4,000
Buildings (insured for $684,000), 7*5,
$1,
Stocks and Bonds owned J>y tht Company.
Par Value. i;ct Vjilur.
U. 8. and State Stocks : —
U. S. reg, 1881, 6 per c, 56,
11 gold bonds, 44 per c 800,000 00
Tennessee State, 6 pare 88,000 00
Alabama 8ftaie, 8 pare., 10,000 00
South Carolina State .old iaaw 20,000
Mt-mpipal Bonds : —
•■.. • ; -r 0. 1,0
Tolc Works, 8 p. c.
7 (». c.
■
Earl rl Chester (guar
V. Y., N. II. A H.. B.B.,7 i a 80,600 <>o
Hart., Prov. A F.hhkill. 7 pat
62,4fi
107,250 "to
18,54
1,10
8,000
Mr
.'. I.«-H.
22
HARTFORD FIRE INSURANCE COMPANY.
Par Value. Market Value.
Railroad Stocks : —
N. Y., N. H. & Hartford, 70,000 00 107,800 00
Hannibal & St. Joseph, 20,000 00 2,4<)0 00
Lake Shore & Michigan Southern, 20,000 00 12,500 00
Conn. Rivar R. R. Co., 2,000 00 2,560 00
Bank Stocks : —
Hanford National, Hartford,... 51,100 00 78,694 00
Phoenix, '* " ... 40,700 00 71,918 00
Connecticut River, " ... 5,000 00 4,000 00
American National, " ... 15,000 00 19,500 00
Charter Oak " " ... 20,000 00 26,000 00
Farm. & Meo. " " ... 18,200 00 21,112 00
Mercantile '« " ... 15,000 00 17,700 00
First " " ... 17,200 00 16,340 00
JSfcna " " ... 31,500 00 39.375 00
City " " ... 20, SOU 00 18.928 00
American Ex. National, N. Y., 20,000 00 21,100 00
Nat. Bank of Commerce, " 10,000 00 12,700 00
Imp. & Traders National, " 30.000 00 60,300 00
Bank of America, " 30,000 00 41,400 00
Manhattan Co. Bank, " 10,000 00 13,800 00
Merchants National, " 25,000 00 28,750 00
Union 4i " 10,000 00 14,200 00
Bank of North America, " 10,000 00 8,000 00
Metropolitan National, " 22,500 00 30,375 00
Blackstone National, Boston, " 14,100 00 14,875 50
Nat. Bank of Commerce, " 4,300 00 4,558 00
Second National, " 10,900 00 15,287 25
Hide & Leather National, " 2,400 00 2,568 00
Atlantic " " ...... 3,900 00 5,196 75
First " " 10,000 00 18,100 00
Boylston " " 12,500 00 14,687 50
Merch., (in liquidation) St. Louis, 10,000 00 3,500 00
Union National, Albany, 6,200 00 7,440 00
First " " 5,000 00 7.750 00
Montreal, Montreal, 30,000 00 48.857 62
Ontario, Bowmansville 13,000 00 13,090 35
Miscellaneous : —
Conn. Trust and Safe Dep. Co.,. . 23,000 00 20,700 00
Conn. River Co 12,000 00 3,000 00
Total, $1,281,600 00 $1,451,682 97
1,451,682 97
Loans on Collateral.
Par Value. Market Value. Amt. Loar.ed.
U. S. 5-20's, 1867, $50,000 00 $54,250 00 $50,000 00 5P,00'0 00
Cash in Company's principal office, 547 14
Cas h deposited in banks 191,611 98
Premium on gold 440 93
nterest, due and acorued on Htooks...... >. 9,620 24
HARTFORD FIRM INSURANCE COMPANY,
premiums in due oourse <>f collection,
tax due from non-resident stockholders 11,98
Rents due tnd accrued
Amount due Company for money idvanoed real estate, Aral liens 95 19
Of the Company at their actual value
III. LIABILITIES.
ea reported ami unadjusted $181,263 91
Looses resisted 41,900 00
Total 178,163 81
Unearned premiums on flw risks, one year or Less,. ..#506,495 42
Unearned premiums on risks more than one year 887,878 70
Amount of unearned premiums as computed above 894.874 12
Cash dividends to stockholders remaining unp-dd 1,898 00
Total liabilities except capital stock 1,072,480 98
Capital stock 1,250,000 oo
Surplus beyond capital 946,t
Total liabilities including capital and surplus §8,268,41
IV. INCOME DURING THE YEAR.
Premiums received in cash, £ 1,743.021 17
Deduct reinsurance, rebate, abatements and return
premiums, 113.200 00
Aetna! cash premiums 1,629,821 17
From interest on bonds and mortgages, ."n. |
From interest on loans and dividends on stocks and bonds I02,f
From renfe I0,fl
Received for increased capital £250,000
Actual cash income, $1,<
v. EXP EN D I TU R ES DURING THE YEAR.
Amount paid for loaaaa, (inelnd - rarring In \
i
Ossfa <i.
Com: r bi
'if
•■.ml eaafa sxpenditars I .
24 MEKIDEN FIRE INSURANCE COMPANY.
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, $89,684,379 00 1,012,91)0 84
Having. more than one and not more than three
years to run from date of policy, 32,197,726 00 363,637 63
Having more than three years to ran from date of
policy, 1G, 093,863 00 181,818 97
$137,975,968 00 1,558,447 44
Premiums received since the organization of the Company. 32,693,811 86
Losses paid since the organization of the Company, 21.197,848 18
Cash dividends paid stockholders, 3,313,100 00
Stock owned by directors at date, 288,800 00
Stock dividends declared, 9.10,000 00
Business in Connecticut in 1877.
Fire risks taken (no inland), 8,626,130 00
Premiums received on same, 80,510 55
Lasses piid, 36,332 05
MERIDEN FIRE INSURANCE COMPANY,
Meriden, Conn.
Commenced Business February 1st, 1872.
L. W. Clarke, President. E. B. Cowles, Secretary.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens), not more than one
year's interest due, $1,800 00
Interest accrued on bond and mortgage loans, 27 14
Value of the land mortgaged, $3,400 00
UKKIDBN FINK IN8UKAN0K C0MPAN1 25
\ki and Bond* owned by the Company.
Par Value. Mark il Value.
U. S. Stocks : —
l'. s. reg. in-ii.'s $55,000 00 $58,781 25
5-20*8, 1867 80,000 00 81,650 00
5.20V 1865 io.oiio 00 10,287 50
lis. 1881 20,000 00 *J l . : i 7 ."» oo
Municipal Bonds : —
Meriden City, (Water) 5,000 00 5,600 00
RaILBOAD Bonus : —
Harlem River A Portcbester 15,000 00 16,800 00
New Haven A Northampton, Conn., 8,000 00 7,200 00
Danbnry & Norwalk, Conn 9,500 00 10,450 00
Bans Stocks : —
First National, Meriden, Conn 9,000 00 10,800 00
Home " '• 19,800 on 23,760 00
Meriden " " 8^900 00 10,680 00
New Britain National, New Britain.. 4,500 00 6,075 00
Total |194,700 00 $213,358 75 213,3.58 75
Loans an Collateral.
Par Value. Market Value. Amt. Loaned.
Meriden Britannia Co., $2,500 00 $7,500 00 $4,500 00
Adams Express Co., 1.20000 1,17000 000 00
ZBtna Ins. Co., Hartford,... 1, -too 00 3,220 00 1.100 00
Home Nat. Bank, Meriden, . COO 00 ' 72000 500 00
First " " 900 00 1,080 00 100 00
Meriden Britannia Co., 0.00000 27,00000 0.00000
Meriden Cutlery Co., 17,400 00 17,400 00 0,000 00
1,825 00 1,825 >>
Am -de m Ex. Co., N. Y.,... 8,500 00 1,697 00'
Meriden Britannia Co., 9,000 00 27. (.00 00 9,000 00
Home Nat. Bank, Meriden, 1,500 00 1,800 00 1,500 00
l.ooo 00 l,2fo 00 900 00
Meriden Britannia Co 1,000 00 8,000 1,000 00
G. F. W. & Co. N. Haven,. 2,500 00 2,5
First mtg. assigned to Co.. 2,800 00 2,800 00>
i0 00
8,150 00
Total, $56,125 00 §99,912 00 $42,900 00 12,900 00
Cash in Company's principal office. 1,099 71
Oaafa deposited in bank 81,459 62
Interest -In--- and Beamed on stocks, 1,010 00
Inter- .1 loans,
premiums In d
Usneons property,8urveys, maps A •.. at one half cost. $4,000
their actus] value
4
26 MEK1DEN FIRE INSURANCE COMPANY.
III. LIABILITIES.
Losses adjusted and unpaid, , 10,577 65
Losses reported and unadjusted, ll,(>09 26
Total, .- 22,186 91
Deduct re-insurance, 800 00
Net amount of unpaid losses... 21,386 91
Unearned premiums on fire risks, one year or less, 06,020 37
Unearned premiums on risks more than one year, 19,517 14
Amount of unearned premiums as computed above,,
Due for salaries, &c.,
Commissions, brokerage and other charges,..
Total liabilities, except capital stock,
Capital stock,
Surplus beyond capital,
Total liabilities, including capital and surplus,
85,537
51
800
00
1,553
00
109.277
42
200,000
00
10,240
44
$319,517
86
IV. INCOME DURING THE YKAR.
Premiums received in cash, 211,870 78
Deduct re-iusurancp., rebate, abatements and return
premiums, 27,374 68
Actual cash premiums, 184,496 10
From interest on bonds and mortgages, 210 50
From interest on loans and dividends on stocks and bonds, 15,404 93
Commissions on risks placed in other Companies,... 1.077 82
Actual cash income,...., $201,189 35
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $ 15, 707. 73 occur-
ring in previous years) 118,376 11
Deduct salvage and re-insurance, - 3, 259 9 1
Net amount paid for losses, 115,116 20
Cash dividends, 24,000 00
Commissions or brokerage, 28,794 80
Salaries and fees , 9,9o0 00
Taxes, 4,705 06
All other payments and expenses, 17,573 46
Actual cash expenditures, $200,089
VI. MISCELLANEOUS.
Preraiuras.
Risks in force having not more than one year to
run from date of policy ,.$10,483,541 00 132,040 74
NATIONAL HUE INSURANCE COMPANY. 27
Having more than one and not more than three
years to tan from date of polio; 1,479.024 00 18,047 19
Saving more than three years to inn from date of
of policy 1,880,708 00 19,572 58
18,298,278 00 160,060 45
Premiums received since- the organization of the Company, 875,046 70
Losses paid since the organization of the Company 402,105 02
Cash dividends paid stockholders 100,000 00
Stock owned by directors at date, 47,800 00
Loaned to officers and directors, 12,150 00
Loaned io stockholders not officers, 30,750 00
Basinets in Connecticut in 1877.
Fire risks taken, (no inland), 2,347 G44 00
Premiums received on same 28,845 55
Losses paid, 15,822 15
NATIONAL FIRE INSURANCE COMPANY,
Hartford, Conn.
Commenced Business December 1st, 1871.
Mai:k Howard, President. James Nichols, Secretary.
I. CAPITAL.
Capital actually paid up in cash, $500,000 00
II. ASSETS
Real ..state owned by the Company unencumbered : —
In St. Paul. Minn $5,444 70
In Chicago, 111.. 5, :;:;o 28 io.77."> 01
Loans on bond and mortgage, (first li.-n.M. not mott than one
Ine 888,000 00
Loan* on bond and mortgage, first liens), more than OS
interest due 24,600 00
Interest due and accrued on bond and mortgage loans 11V
te of the land mortgfl $729 ,584 00
Bui. . ured for $888,500), 581,826
, m bo <>o
28
NATIONAL FIKE INSURANCE COMPANY.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
State Stocks : —
Connecticut State, 5,000 00 5,500 00
Municipal Bonds : —
Hartford Town 10,000 00 10,000 00
" City, (Capitol) 25,000 00 29,000 00
" " (Water), 10,000 00 10,000 00
New Britain City, 6.000 00 % GOO 00
Rochester " 1.5,000 00 16,500 00
Detroit " 10,000 00 11,000 00
Lockport " 10,000 00 11,000 00
West Mid. Sch. Dist., Hatford,... 25.000 00 27.000 00
Railroad Bonds : —
Hart, Pro v. & Fishkill, 1st mtg... 40,000 00 43,200 00
Hirlem R. & P. Chester. 1st intg. 25,000 00 28,750 00
Railroad Stocks : —
N. Y,, N. H. & Hartford, 40,000 00 63,200 00
Pittsburg, Fort Wayne & Chicago, 10,000 00 0,100 00
N. Y., Central & Hudson River,... 20,000 00 21,600 00
Chicago, Rock Island & Pacific,.. 10,000 00 10,200 00
Cleveland & Pittsburgh, 10,000 00 7,700 00
Bank Stocks : —
Nat. Mech. Banking A.sso'c X. Y., 5,000 00 2,750 00
Metropolitan Nat. N. Y., 10,000 00 13,500 00
Central National, N. Y., 5,000 00 5,150 00
Farmers & Mechs. Nat, Hartford, 14,000 00 15,060 00
Charter Oak *■ 10,000 00 12.700 00
Phoenix " 30,000 00 45,300 00
.Etna " 21,500 00 25,800 00
City •" 5,000 00 4,550 00
Hartford " 30,000 00 45,600 00
Mercantile " 5,000 00 5,700 00
National Exchange " 10,000 00 13,200 00
Nat. Bank of Republic, Boston,... 7,500 00 9,825 00
Boston National, Boston, 7,000 00 7,910 00
Merchants, St. Louis, 875 oO 500 00
Total, $431,875 00 $519,695 00
519,695 00
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Hartford National Bank, $500 00 $760 00 $000 00 600 00
Cashin office and banks, 47.896 54
Interest due and accrued on bonds, 5,639 14
Interest due and accrued on collateral loans, . 21 00
Net premiums in due course of collection, 24,500 00
Assets of the Company at their actual value $1,040,722 97
NATIONAL Hl.K INSUKAN'OK COMPANY.
III. LIABILITY
i and unpaid,
i ported and unadjusted,
- n •:-« '1 8,
Total
Unearned premiuma on Eire risks, one year oi 1. 188 19
Unearned premiama on risks more than one year G3,( ^7 »'.:
Amount of onearned premiama as oompated al
rotal Habilitiea exeepl capital stork.
Capital atoek
Surplus beyond capital
167,
.'■•-'i
16
;.«■
;:
Total liabilities including capital and surplus, $1,010,;
IV. INCOME DURING THE TEAR.
Premiama received in cash. §278,278 76
Deduct le-inearanoe, rebate, abatements and retorn
premiama, 20,407 90
Aetoal cash premiums,
From interest on bonds and mortgagee
From intereat on loanaand dividends on stocks and bonds,
Actual cash income
16 74
626, l .
V. EXPENDITURES DURING THE FEAR
Amount paid for losses, including | cur-
ling in previou |154
Dsuranoe in other Coo 18 12
I
Cash dividends,-
Oommissionfl or brokerage
Salarb
Taxes,
All oft.
1 cash exp
164.67'
: l 06
VI. MISCELLANEOI -
having n<»t mon to
run from . $17,726,044 (Ml
I
. in from d
g more than ti.
30 NOKWALR fire insurance COMPANY.
Premiums received since the organization of the Company, 2,228,385 04
Losses paid since the organization of the Company, 1,014,727 88
Cash dividends paid stockholders, 395,0. .0 00
Stock owned by directors at date, ■..-. 120,000 00
Loaned to stockholders not officers, 600 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 2,562,657 00
Premiums received on same, 29,511 19
Losses paid, 25,070 10
NORWALK FIRE INSURANCE COMPANY,
NORWALK, CoNN.
Commenced Business May 12th, 1860.
Wm. C. Street, President. Geo. R. Cowl.es, Secretary.
I. CAPITAL.
Capital actually paid up in cash,... $50,000 00
IL ^ASSETS.
Loans on bond and mortgage (first liens) not more than one
year's interest due, 1,900 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
U. S. reg. 41 per cent, 1891, 10,000 00 10,550 00
Dist. Columbia, 3,65's, 1924, 15,000 00 11,550 00
Railroad Bonds :--
Danbury & Norwalk, 1,000 00 1,050 00,
Bank Stocks : —
German American National, N. Y. 1,500 CO 1,C65 00
4th National, N. Y., 4.000 00 4,040 00
Fairfield County National 1,000 00 1,150 00
Cential National, Norwalk, 1,500 00 1,509 00
total, $34,000 00 $30,905 00 30,905 00
NOKWALK KIRK IN8UKANCK UOMPAN) iil
hit, /•.//.
iloa.
Miik. t Value.
Danbnrj National Bank, .
I 00
■ 00
National B >nk of Norwalk,.
800 1
oo
OO
Danbnrj A Norwalk, K. B.
200
].,(! 00
150 00
Fairfield Co. Nat Bank
Hndaon Oo. N. J. 7*s,
2,000 00
l.ooo no
2,31
1 .iii.o 00)
2,400 00
National Hank <>f Norwalk,.
800 00
380 001
Fairfield Oo. Nat. Bank,.. .
1 00
280 001
Union Iffg. Co., Norwalk..
7 B0 00
I (Ml
2, 14 ■
Danbn N k B i: ...
.-.no 00
750 00
N
2,500 00
00
0. K. B...
iiOO 00
500
600 "(i
Btamford National Bank,....
860 00
600 00l
Danbnrj A Norwalk It. B..
American Exchange Hank..
BOO 00
3,000 00
COO ()( >
■
8,210 >
1,50 \ 00
Fairfield Oo. Nat. B tuk
National Bank of Norwalk..
l.ooo 00
600 00
l.l.-.o 00]
660 oo)
'.H oo
Norwnlk Ghu i
7 7.". 00
852 50
750 00
il Hank of Norwalk..
i 00
on
I 00
Lounshnry A Bisftell *
3,750 i'ii
•1..M.I CO
2,500 oo
Total \
■..-. 00
i28,912 7,o
$1 !.-<
1 1,200
All other Becnred loan
82,417
hi,.
l ".
Cash in Company's principal
office
66
Caab deposited in bank
1 171
1 *
1 accrned on
stocks
77
Iuterest doe and aeorned on
collateral 1
of collectic
MUM
6,445
i o
Net preminms in due course
ajMAfa of the Com pan
ill
V at their actual value....
*,787
III. LIABILITIES
unonnt of unpaid losses
preminms on fire risks, one year or lees,...
Unearned premiums on risks more than one jear, . . .".. ! I ! 76
Unearned preminms as oompnted ebore,
■ k . 11.7
Surplus 1
i tel liabilities, inelndii
IV. [N< OME DUB1NQ mi: JTBiB.
•i reinsurance, reb I return
32
NORWALK F1KE INSURANCE COMPANY.
From interest on bonds and mortgages,
From interest on loans and dividends on stocks and bends,
Actual cash income,.
155 00
9,459 95
$18,115 52
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses (including $3,963.74 occur-
ring in previous years.
Deduct re-insurance,
9,590 82
3,538 tt7
Net amount paid for losses..
Cash dividends paid stockholders,
Commissions or brokerage
Salaries and fees,
All other pa j-rnents and expenses,
Actual cash expenditures,...
6,052 45
5,000 00
1,072 10
1,625 00
629 94
.4,979 49
VI. MISCELLANEOUS.
Risks in force having not more than one year
to run from date of policy, 1,269,777 00
Having more than one and not more than three
years to run from date of policy 756,906 00
Having more than three years to run from date
of policy, 165,775 00
2,192,458 00
Premiums received since the organization of the Company
Losses pai 1 since the Company organized,
Cash dividends declared,
Stock owned by directors at date, *
Loaned to stockholders not officers,
Loaned to officers and directors,
Premiums.
12,552 55
6,417 02
1,724 44
20,694 01
214,700 25
103,242 98
50,200 (.0
44,000 00
10.950 00
23,400 00
OKI KM' FIKK INSUKA1 MI'.Wt .
ORIENT [NSURANCE COMPANY,
11 ibtfobd, Oomr.
araenoed Business, January, I -
. 'N. Presid Geo. W. l 'retary.
I. CAPITAL.
Capital actually paid up in cash $500,04
II. ASSETS.
Real Estate owned by the Company unencumbered : —
In Hartford, Conn., $1,871
In Washington, D. 0., 21,895 26,767 31
Loans on bond and mortgage, (first liens; not more than one
year's interest due, $144,800 00
Interest due and accrued on bond and mortgage loans, 4,262 .".7
Buildings, (insured for $173,800) 616,400 00
Stock* and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks: —
V. B. bonds. 6,8, L881, coupon, 10,000 00 10,987 60
Municipal Bonds : —
Ninth School District, Windsor. Ct.. - 3,000 0C
Fifth School Dist. E. Windsor, Ct... 10,000 00 11,000 00
Town of Paw-tucket. B. L, 25,000 00 28,750 00
Town of Norwich, Conn 60,000 00 69,«
. of Eransrille, Ind l< 10,000 00
v X lo.ooo 00 11,000 00
•• Washington. L :. ; 1.5,1 10 16,600 00
•• [ndiana] olis, End 20,000 00 20.000 00
County or Peoria, 111 5,000 00
B UELBOAn BoMDS : —
Indiana Central, 10 per cent 10,000 11,000 00
Indiana], 11,000 00 9,900
Hartford Pror. & Pishkill, 7's I 00
-
V. \. II. J ... 24,700 00
CleTelandA. Pittsburgh 2
Bvnk Stocks : —
An;- -.tioiial. Hartford -
1 \
■<
84 ORIENT FIRE INSURANCE CCMPANF.
Charter Oak National, Hartford, ■ 13,000 00 16,900 00
Farmers &M. " " 10,000 00 11,600 00
Mercantile " " 11,900 00 13,804 00
Phoenix " " 6,200 00 9,518 00
Exchange " " 9,100 00 12,012 00
City " " 12,400 00 11,408 00
Hartford " " 32,100 00 50,544 00
Metropolitan National, N. Y., 7,500 00 9,750 00
Miscellaneous : —
Conn. Trust & S. Deposit Co.,Hf'd.. 10,000 00 8,500 00
Atlantic Dock Co., 9,000 00 9,450 00
Total, .$412,400 00 $515,851 50 515,851 50
Loans on Collateral.
Par Value. Market Value. Arat. Loaned.
.Etna Nat, Bk. Hartford,.. 500 00 625 00 300 00
Weed S. M. Co., Hart 5,150 00 2,060 00)
Warren R. R. Co.
' >■ 3,000 00
2,050 00 2,050 00 i
National F. Ins. Co., Hf'd 2.500 00 3,750 00 600 00
Adams Express Co. , 2,500 00 2,450 00 2,000 00
-Etna L. Ins. Co., Hart.... 600 00 2,400 00 1,200 00
.Etna Fire Ins. Co. Hart.... 200 00 426 00 1
American National Bank,.. 750 00 975 00
Charter Oak Nat Bank,.... 500 00 650 00 ,
First Nat. Rank, Hartford. 300 00 285 00 j
Willimantic Linen Co...... 9,700 00 27.548 00 20,000 00
1,880 00
Total $24,750 00 $43,219 00 $28,980 00 28,980 00
Cash in Company's principal offioe, 1.082 76
Cash deposited in Hank, 18,037 88
Interest due and accrued on stocks and bonds 9.027 51
Interest due and accrued on collateral loans, 884 36
Net premiums in due course of collection, 28,585 32
Assets of the Company at their actual value, $778,279 01
III. LIABILITIES.
Net amount of unpaid losses, 9,288 98
Unearned premiums on fire risks, one year or less, ...$100,848 13
Unearned premiums on risks more than one year, .... 44,089 23
Unearned premium? as computed above, 144,937 36
Total liabilities except capital stock, 154, 226 34
Capital stock, 500,000 00
Surplus beyond capital, 124,052 67
Total liabilities including capital and surplus, $778,279 01
0K1KNT FIRK [N8URANCK COMPANY.
IV. ENOOME DURING THE YEAB,
Premiums reo< its I in oash 6 01
Deduct re insurance, rebate, abatements and return
premiums, 25,685 19
Actual cash premiums, 242,160 52
Prom Intereel on bonds and mortgages 9,82
From interest on loans and dividends on stocks and bonds 88,465 68
mal Oaah inoome
V. EXPENDITURES DURING THE YEAH.
Amount paid for losses, (including $22,274.88 occurring in pre-
vious years) 117,058 39
Cash dividends, mo 00
Commissions or brokerage :;<;,!k;i !»t
Salaries and fees .*. l'L\<>G4 3(\
Taxes, 6,419 57
All other payments and expenses, 22.192 41
Actual cash expenditures, $273,190 70
V. MISCELLANEOUS.
Premium;*.
Risks in force having not more than one year
to run from date of policy, $15,698,537 00 201, G96 26
Having more than one and not more than three
years to run from date of policy,... 4,397,798 00 50,319 39
Having more than three years to run from date of
policy, 2.794,877 00 36,866 99
$22,891, 212 00 288, s
Premiums received since the re-organization of the Company, 2,081,288 60
id since there-organization of the Company, 1,092,868
Cash dividends paid stockholders 240,000 00
owned by direotors at date, 56,000 00
dividends declared 100,000 00
Loaned to officers and directors, - 60,61
Loaned to stockholders not officers,.. 28,100 <">
Businsu in Connecticut in 1877.
I ir. risks taken (no inland) 2,458,865 00
Premiums received 26,199 16
Losses jjii-i. . 154 84
3t> PEOPLES FIRE INSURANCE COMPANY.
PEOPLES FIRE INSURANCE COMPANY,
MlDDLETOWN, CONN.
Commenced Business, May, 1865.
-I esse G. Baldwin, President. Seth H. Butler, Secretary.
I. CAPITAL.
Capital actually paid up in cash, $101,000 00
Capital for which subscribers' notes or other obligations are held, 99,000 00
IE. ASSETS.
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 2,400 00
Value of the laud mortgaged, $2, 500 00
Buildings (insured for $3,000), 3,500 00
$0,000 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
District of Columbia, 7 per c......
5,000
00
5,000
00
Municipal Bonds : —
Middletown Town, 7 per c.,.,
41,800
00
45,144
00
Chatham " 7 per c,
6,000
00
0,480
00
Portland " 7 per c,
7,500
00
8,100 00
City of Middletown, 7 per c,
" " per c,
35,000
3,100
00
00
37,800
3,100
00
00
' ' Kansas, Mo. , 8 per c. ,
" Portsmouth, O., 7 per c ,
10,000
0,001)
00
00
10,000
0,300
00
00
" St. Paul, Minn., 7 per c,
5,000
00
5,250
00
Jeff erson v. , Ind. , 7 3 - 1 0p. c
10,000
00
10.300
00
" Quincy, 111., perc, —
" Council Bluffs, 8 perc.,...
5,000
5,000
00
00
4.700
5,250
00
00
Railroad Bonds : —
N. H., M. & Willimantic,
20,000 00
4,000
00
Bank Stocks : —
Central National,
15,000
00
20.000
00
First "
14,000 00
3,900 00
.$192,300 00
14.000
5,200
00
00
Middletown"
Total,
$190,024 00
190,024 00
5,872 47
Net premiums in due course of colle
1,341 80
Assets of the Company at their actual value, $200,238 33
PEOPLKS P1RE INSURANCE COMPANY, 87
111. UABILITE
eonnl of unpaid losses, 2,872 »;i
ned premiums on fire risks, one year or less 1 1,909 28
tied premioma on risks more than one year 7,212 <il
Amount of unearned premiums as computed above. 19,121 89
Due for Balarien, A i 200 00
rote! liabilities except capital stock l ; l'. 194 •">:'.
Capital stook 101,000 <>o
Surplus beyond capital 77,048 80
Total liabilities including capital and surplus £200,2;
IV. INCOME DURING THE YEAR.
Premiums received in cash 80,608 12
Deduct re-insurance, rebate, abatements and return
premiums 1,122 ."•!
Actual cash premiums, 29,485 56
From interest on bonds and mortgages, ]; )t ; no
From interest on loans and dividends on stocks and bonds, 11,706 17
VI. MISCELLANEOUS.
Actual cash income $41,347 78
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $2,109.67 occurring in pre-
vious years i , 19,585 4.",
Cash dividends 10,000 00
Commissions or brokerage, 4,(><;i 08
Salaries and fees 8,150 00
All other payments and expenses 87-1 00
Actual cash expenditures, $37,620 68
Premium.?
3 in force haying aot more than one year to
run from date of policy $1,878,159 72
ing more than one and not more than three
yean to run from date of policy, so 40 7.«;
llav eg more than t: to run from date
►licy, 545,290 00 20 15
8v 102,600 12 87,11
of the Company 16001
ui/ati-.n of th' I 224,1
Ca«h dividends paid stockholders
.
8tf PEOPLES FIRE INSURANCE COMPANY.
PEOPLES FIRE INSURANCE COMPANY,
Middletown, Conn.
Commenced Business, May, 1865.
Jesse G. Baldwin. Preside/it. Seth H. Butler, Secretary.
I. CAPITAL.
Capital actually paid up in cash, $101,000 00
Capital for which subscribers' notes or other obligations are held, 01), 000 00
II. ASSETS.
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 2,400 00
Value of the laud mortgaged, $2,500 00
Buildings (insured for $3,000), 3,500 00
$6,000 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
District of Columbia, 7 per c...... 5,000 00 5,000 00
Municipal Bonds : —
Middletown Town, 7 per c, 41,800 00 45,144 00
Chatham " 7 per c, 6,000 00 6,480 00
Portland l< 7 per c, 7,500 00 8,100 00
City of Middletown, 7 per c, 35,000 00 37,800 00
per c, 3,100 00 3,100 00
Kansas, Mo., 8 per c, 10,000 00 10,000 00
" Portsmouth. O., 7 per c, 6,000 00 6,300 00
St. Paul, Mmn., 7 per c, 5,000 00 5,250 00
Jefferson v., Ind.,7 3 -10p.C 10,000 00 10,300 00
Quincy, 111., G per c, .... 5,000 00 4.700 00
Council Bluffs, 8 per c.,... 5^000 00 5,250 00
Railroad Bonds : —
N. H., M. & Willimantic, 20,000 00 4,000 00
Bank Stocks : —
Central National, 15,000 00 20.000 00 ,
First " 14,000 00 14,000 00
Middletown" 3,900 00 5,200 00
Total, $102,300 00 $190,024 00 190,02400
Cash deposited in bank, 5,872 47
Net premiums in due course of collection, 1,341 80
Asseto of 1he Comuanv at their ar-rual value $200,238 33
PEOPLES Kli:i: INSURANCE com tan v.
III. LlAbll.llI
aount of unpaid loses, ' , !2 <u
Unearned premiums on Are risks, one year or less 1 1,909 28
Unearned premiums on risks more than one year, 7.l'Il' <;i
Amount of nnearned preminms as oompnted above, 1!Mlm 89
Due for salaries, A i 200 00
Dotal liabilities except capital stock 22.194 "•:'.
Capital Btook 101,000 00
Surplus beyond capital 77,048 80
Total liabilities including capital and surplus $200,2.
IV. INCOME DURING THE YEAR.
Premioms received in cash 80,608 12
Deduct re-insurance, rebate, abatements ami return
premiums 1. !'_"_' 5G
Actual cash preminms w, I -
Prom interest on bonds and mortgages, ].",<; no
From interest on loans and dividends on stocks and bonds. 11,706 17
VI. MISCELLANEOUS.
Actual cash income $41,347 78
V. EXPENDITURES DURING THE YEAR.
Amount paid for Losses, (including (2,109.67 occurring in pre-
vious years i , 19, 53/5 4.~>
Cash dividends 10,000 <)<)
Commissions or brokerage, 4,061 08
Salaries and fees, 3,1.50 00
All other p .nd expenses s7( qq
Actual cash expenditures, $37,620 58
Premium..*
baying not more than one year to
run from date of policy $1,878,169 72 J18 57
ing more than one and not more than three
run from date of policy 684,150 40 7.c
11 av ng mors than i: to run from date
of policy 545,290 00
02,600 12 87, !
Premi ince the org mpany 160 019 00
L mization of thi l 224 t (
1 diridends pai 1 stockholders
Stock dividends declared,
38 PHCGlNlX FIRE INSURANCE COMPANY.
PHCEXIX FIRE INSURANCE COMPANY,
Hartford, Conn.
Commenced Business, June, 1851.
H. Kellogg, President. D. W. C. Skilton, Secretary.
I. CAPITAL.
Capital actually paid up in cash, $1,000,000 00
II. ASSETS.
Real estate owned by the Company unencumbered : —
In Hartford, Conn., $125,000 00
In Charleston, South Carolina, 10,000 00 135,000 00
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 53,000 00
Interest accrued on bond and mortgage loans 1,395 00
Value of the land mortgaged, $45,000
Buildings (insured for $27,300)> 37,000
$82,000
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
U. S. 6's, 1881, Gperc, 100,000 00 110,000 00
Alabama State, 8 per c, 50,000 00 20,500 00
Indiana State, (5 per c, 100,000 00 102,000 00
South Carolina, old reg., 6 per c, 25,003 70 10,001 48
Tennessee State, 6 per c, 26,000 00 9,880 00
Municipal Bonds : —
Madison County, Iowa, 8 per c.,. 25,000 00 25,750 00
Hartford City, 6 per c, 10,000 00 11,000 00
Detroit City. 7 per c, 50,000 00 55,000 00
Cincinnati City, 7 3-10 per c, 50,000 00 54,500 00
Cambridge City, Ind., 10 per c.,. . 3,000 00 3,000 00
San Francisco, 6 & 7 per c, 48,500 00 50,925 00
Jacksonville, 111., 8 per c, 50,000 00 52,500 00
New Britain Water, 7 per c, 10,000 00 11,000 00
Contra Costa Water Co., 8 per c, 25,000 00 25,750 00
Railroad Bonds : —
Indianapolis & Cin., 7 per c, 51,000 00 45,900 00
Connecticut Western, 7 per c...... 20,000 00 5,000 00
IX FIKK 1NSUKANCK COMPANY
Pai Value. .Maik.'t Value.
Connecticut Valley, 7 per a 10(1,000 00 60,000 00
Harlem Kiv. A Port Qhest, 7 p.* 50,000 00 59,000 00
Bouthero Minnesota, 7 pero 60,000 00 .".,000 00
s •
York. \rv, Haven A Hart.... 60,000 00 79,600 00
25,000 00 24,500 00
Chi. id A- Pacific.... 20,000 00 20,050 00
Ohioago, Boriington <k Qoinoy, . .. 20,000 00 20,400 00
Bask Stocks : —
Hartford National, Hartford, 100,000 00 158,000 00
Farm. A Mean. " " K) 00 50, l
roantile " •■ 70,000 00 82,600 00
Charter Oak " " 11.000 00 1 i.ivi. .10
Oity •• " 20,000 00 18,200 00
Da " " 30,000 00 87,200 00
Phoenix •• " CI. 700 00 98,091 no
lie, 19,200 00 22,080 00
Connecticut River, ■• 5,000 00 3,750 00
American National. " 50,000 00 65,000 00
National Exchange. " 13,000 00 17,160 00
ropolitan National, New York, 7,500 00 10,12.") 00
Merch. Ex " " 9,000 00 7,650 00
Iff re. & Merchants, " 2,00000 1,80000
New Britain Nat, New Britain 19,000 00 23,7. r >0 00
Waterbury " Waterbury,... 20.000 00 82,400 00
Imperial, Toronto, Ont 6,000 00 5,000 00
Nat.Gold Bt A Trust Co. S. Fran. 7,500 00 7,500 00
MlBOXnLAlUOUS : —
Holyoke Water Power Co., 35.000 00 51,450 00
Hartford Trust Co.. 25. 0110 00 23,250 00
Central Trust Co.. N. Y., 5,000 00 5,876 00
Atlantic Dock Co., 50.000 00 62,600 00
tal $1,570,308 70 11,644,612 49
1,644,612 18
Par v pket Value, Ami Loaned.
. 50, 00 100000 00
00 50,500 00)
Hart IV.. v. A P. a. It. 7,000 00 7.1'." 4,82a
In.li.r. EL 4,000 8,601
Hartford Truflt Go 1,00000 980 00 156 00
• 00 17,7oo 00 16,000
Phoenix •• 400 00 612 001 , KM M
l..(00 00
.Etna Lit" I 00 1,760 00 >
900 00 2,018 00 518
-Mm irrj Oo. 65,00
• .1 1194,000 00 |198,
•a- id • • Port-
land, 1
40 PfcKENIX F1KE INSURANCE COMPANY.
Cash in Company's principal office, ". 11,163 57
Cash deposited in banks, 308,9(58 88
Interest due and accrued on collateral loans and bank deposits,.. 2,197 59
Net premiums in due course of collection, 155,450 81
Rents due and accrued, 883 33
Assets of the Company at their actual value, $2,486,194 G6
III. LIABILITIES.
Losses reported and unadjusted, $94,25(5 4(5
Losses resisted, 20,500 00
Total v 114,756 40
Unearned premiums on fire risks, one year or less,. ..$515, 7(53 43
Unearned premiums on risks more than one year,.... 282,070 19
Amount of unearned premiums as computed above, 797,833 62
Total liabilities except capital stock, 912,590 08
Capital stock, : 1,000,000 00
Surplus beyond capital 573,604 58
Total liabilities including capital and surplus, $2,486,194 66
IV. INCOME DURING THE YEAR.
Premiums received in cash, $1,407,393 79
Deduct l'e-insurance, rebate, abatements and return
premiums, 81.838 00
Actual cash premiums, 1,325.555 79
From interest on bonds and mortgages, 2,754 17
From interest on loans and dividends on stocks and bonds, 10!), 582 20
From rents, 3,938 96
Actual cash income, $1,411,831 12
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $82,433.48 occurring in pre-
vious years,) 645,340 06
Cash dividends, 200,000 00
Commissions or brokerage, 212,016 97
Paid for salaries 65,195 48
Taxes, 39,408 60
All other payments and expenses, 115,755 81
Actual cash expenditures, $1,277,716 92
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, $82,806,990 00 1,031,526 87
SECURITY FIRE INSURANCE OOMPANT. 41
Having more than one and not more than three
years to run from date of policy ." 26,600,526 00 887,881 1)2
Having more than three years to run from date of
policy, 10,090,728 00 182,785 <>7
$119,498,239 00 1,501,(143 8(5
Premiums received since the organization of the Company 20, 168,940 76
Losses paid since the organization of the Company, 12,441,178 24
Cash dividends paid stockholders, 1.920,000 00
Stock owned by directors at date, 117,800 GO
Loaned to officers and directors, 55,800 00
Loaned to stockholders not officers, 6,898 00
Business in Connecticut in 1877.
Fire risks taken (no inland), 8. 033,453 00
Premiums received on same, 81,572 07
Losses paid ... 37.047 93
SECURITY INSURANCE COMPANY,
New Haven, Conn.
Commenced Business, April, 1841.
Charles Peterson, President. Herbert Mason, Secretary.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS
Loans on bond and mortgage, (first liens), not more than one
year's interest due, $14,900 00
Interest accrued on bond and mortgage loans, 94 37
Value of the land mortgaged, $24,500 00
Buildings (insured for $12,000,) 12,000 00
$36,500 00
I
42
SECURITY FIKE INSURANCE COMPANY.
8 oiks and Bonds owned by the
Par Value.
U. S. Stocks : —
Gov. Bonds 5's, 1881, reg 90,000 00
'" new H's, reg 10,000 00
" 5-20's, of 1867, coup., 4,500 00
Railroad Bonds : —
Chicago & Alton, income bonds,. 16,500 00
N. H., & Northampton, convert... 15,000 00
Pekin, P. & Jacksonville, 1st mtg. 6,000 00
West Wisconsin, 1st mtg 3,000 00
Railroad Stocks : —
N. Y. N. H. & Hartford, 20,000 00
Shore Line, 6,100 00
Morris & Essex 18,000 00
B.vnk Stocks : —
N. H. County Nat. New Haven, ... 6,000 00
Yale National ' ; .... 10,000 00
New Haven National ; ' .... 7,900 00
Merchants " " .... 6,800 00
Second " " .... 11,200 00
Tradesmen's " " .... 1,000 00
Nat. Bank of Commerce, N. Y.,... 5,000 00
Bank of the Republic "• .... 3,800 00
American Exchange Nat, " .... 10,000 00
Miscellaneous : —
New Haven Water Co., 12,500 00
Total, $263,300 00
Company.
Market Value.
95,062 50
10,362 50
4,882 50
17,242 50
12,750 00
5,400 00
1,200 00
30,650 00
7,137 00
13,680 00
7,800 00
10,000 00 ■
11,455 00
6,800 00
16,240 00
1,500 00
6,100 00
3,382 00
10,525 00
13,125 00
$285,294 00 $285,294 00
Loans on Collateral.
Par Value. Market Value.
Nat. Tradesmen's Bk. New Haven, 1,500 00 2,250 00
Second National Bk. " 1,800 00 2,610 00
N. H.Sav. Bk. Dep. book, assig'd 2,400 00 2,400 00
Amt. Loaned.
2,000 00
2,000 00
2,000 00
Total, $5,700 00 $7,260 00 $6,000 00
6,000 00
Cash in Company's principal office,
Cash deposited in banks,
Interest due and accrued on stocks,
Interest due and accrued on collateral loans,
Net premiums in due course of collection,
Bills receivable,
All other property belonging to the Company,
Non-resident State tax to be collected back from stockholders,
107 97
36,501 96
1,247 50
34 71
19,703 08
14,946 36
3,284 00
353 00
Assets of the Company a| their actual value. $382,466 95
SECURITY FIRE INSURANCE com can v. \l)
III. LIABILITIES.
s adjusted and unpaid $:5,:;:;i; 97
s reported and unadjusted 2i.47<; 15
- resisted 5)500 00
Net amount of unpaid losses, 30,818 12
Unearned premiums on fire risks, one year or less $80,639 30
Unearned premiums on risks more than one year, 19,657 10
Unearned premiums on inland navigation risks 4.28!) 01
Unearned premiums on marin3 risks, 19,936 3!>
Amount of unearned premiums as computed above, 124, 521 80
Total liabilities, except capital stock 1">4,834 92
Capital stock 200.0(H) 00
Surplus beyond capital, 27.632 03
Total liabilities, including capital and surplus, $382,466 !».">
IV. IN'COME DURING THE YEAR.
Fire. Marine and Inland.
Premiums received in cash, $224,717 03 $119,044 93
Deduct re-insurance, rebate, abate-
ments and return premiums, 39.802 23 617 50
Actual cash premiums, $184,914 80 $119,027 43 303 ; 942 23
Bills and notes received for premiums unpaid, 14,946 36
From interest on bonds and mortgages, 1,081 50
From interest on loans and dividends on stocks and bonds 15,563 73
Actual cash income, $320,587 46
V. EXPENDITURES DURING THE YEAR.
Fire. Marine and Inland.
Amount paid for losses, (including $27,-
156.60 occurring in previous years,)... 128.228 92 93,405 61
Deduct re-insurance and salvages, 9,813 48 5,134 18
Net amount paid for losses, 118,415 44 88,271 33 206,686 77
Cash dividends, 20,000 00
Commissions or brokerage, 47,887 97
Salaries and fees, 21.088 19
Taxes, 1,998 18
Actual cash expenditures $300,661 ll
VI. MtSCfcLLANEOI
Premiums.
;ii force haying not more th;iu one year to
ran from date of policy 10,927,829 00 161,5
44 HARTFORD STEAM BOILER COMPANY.
Having more than. one and not more than three
years to run from date of policy, 1,282 524 00 14,386 56
Having more than three years to run from date of
policy, 1,599,623 00 20,454 24
13,809,476 00 196,119 41
Marine & Inland. Premiums.
Net amount in force Dec. 31, 1877 1,080,303 00 28,514 42
Premiums received siuce the organization of the Company, 2,C35,491 67
Losses paid since the organization of the Company, 1,366,252 85
Cash dividends paid stockholders, 250,281 00
Stock owned by directors at date, 25,600 00
Loaned to officers and directors.,.. 2,200 00
Stock dividends declared, 50,000 00
Business in Connecticut in 1877.
Fire. Marine & Inland
Fire marine and inland risks taken, $2,254,268 10 1,152,977 00
Premiums received on same, ....." 24,639 39 22,976 07
Losses paid, it 11,402 14 . 16,568 36
HAIlTFOKD STEAM BOILER INSPECTION AND
INSURANCE COMPANY,
Hartford, Conn.
Commenced Business, October, 1866.
J. M. Allen, President. J. B. Pierce, Secretary.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 71,050 00
Interest accrued thereon, 2,177 05
Value of the land mortgaged, $204,375 00
Buildings, (insured for $12,000), 37,925 00
$242,300 00
HARTFORD stkam BOlLKH COMPANY. \'>
■.sand Bonds owned f-y tin Company.
Par Value. .Market ValU*
l T . S. and Siati; B TOO M : —
oectiout 6peroent 70,000 00 77,000 00
District of Colombia 3-66*8 46,000 00 84,600 00
Mrsii iiAi. Bonos : —
Urban* Township, 111 1,000 00 4,000 00
City of Evansxillo. Ind. 10,000 00" 9,500 00
•wnship. Ill 3,000 00 4,860 00
Peoria County, 111 6,000 00 5,260 00
Raidboad Bonds : —
Dayton A Western 16.000 00 11,660 00
Railroad Stocks : —
York New Haven & Hartford 10,000 00 16,400 00
Bank Stocks : —
City National. Hartford, 6,000 00 4,600 00
Hartford National, Hartford, 1,300 00 1,950 00
Miscellaneous : —
Security Company 6,00000 5 i 000 00
Total, $176,300 00 $173,500 00 173,600 00
Cash in Company's principal office, 134 62
Cash deposited in bank 13.079 01
Interest due and accrued on stocks, 527 l'»
Net premiums in due course of collection, l!»,.">43 0i
All other property belonging to tho Company 2,400 00
Assets of the Company at their actual value, .$28f>,711 21
III. LIABILITIES.
mount of unpaid losses 2,775 00
premiums received upon all unexpired steam boiler
risks 114,278 98
Amount of unearned premiums computed at fifty per cent., 57,139 16
Due for salaries, ko 875 00
Total liabilities, except capital stock. 60,289 MS
Capital stock. 200,000 00
Surplus beyond capital 25,421 75
• il liabilities, including capital and surplus $285,711 21
IV. INCOME DURING TBB YEAR.
I red in oash, 120,728 25
Deduct reinsurance, rebate, abatements and return
premiums, B,884 21
-li premiums ill.-
Prom a bonds and mortgages
L diridends on stocks and bonds ' s t
from assured for inspection of Steam Bo ... 61 V C
Actual ca*h b $179,621 9(3
4ft HARTFORD STEAM BOILKR COMPANY.
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $552.02 occurring in pre-
vious years), 8,4G6 50
Gash dividends, . 20,000 00
Commissions or brokerage, 42,821 27
Salaries and fees 11,700 00
Taxes, 1 2,430 96
All other payments and expenses, 77,594 64
Actual cash expenditures, $158,013 37
VI. MISCELLANEOUS.
Premiums.
Risks in force, 12,955,908 00 114,278 93
Premiums and Inspections received since the organization of the
Company, 1,292,453 61
Losses paid since the organization of the Company, 86,327 34
Cash dividends paid stockholders, 117,250 00
Stock owned by directors at date, 35,240 00
Stock dividends declared, 90,000 00
Business in Connecticut in 1877.
Steam Boiler risks taken, 1,338,890 00
Premiums received, 10,607 32
Received for inspections, 4,545 00
Losses paid, 160 22
MUTUAL FIRE
INSURANCE CO'S OF THIS STATE
ABSTRACTS COMPILED FROM THEIR ANNAL STATE-
MENTS, SHOWING THEIR CONDITION ON THE
31st DAY OF DECEMBER, 1877.
MUTTAL KIRK INSURANCE GO'S.
CONNECTICUT MUTUAL FIRE INSURANCE m COMPANY,
Mi:i:ii«en. Conn.
Commenced Business, January 14. 1876.
Joei. H. Gut, President. .James K. Gi r, Secretary.
I. ASSE IS.
Stocks an I B ei hy t/c Company.
Par Value. Market Valm
Hank Stocks : —
Pint National, West lieriden 10,000 00 11,600 00
Middlesex County Nat. Middlet'wn 2,500 00 2,500 00
Central National. Middletown, 760 00 1,040 <><>
Yale National, New Haven, 1,000 00 1.081
Total. $14.2:>o <mi Slli,170 00 $16,170 00
Loans on Collati rat.
Gallic Market Value Aim. Loaned.
Meriden Cutlery Co 2,600 00 2,760 00 2,260 00
Merideu Fire Ins. Co 4,900 00 5,146 00 4,000 00
Home Mut. Fire Ins. Oo 2.500 00 2,600 <><» 2,250 00
2,000 00 2,«X) '"» 2,250 00
Peck. Bto* a- Wiloox Co.... 4,625 oo 8.476 00 4,500 00
tal - 5 00 $18,870 00 $15,250 00 $15,250 00
the Company, secured by mortgage of real estate, 10 00
All other 1 by the Company 87,600 <><>
my,
Deposit in the I sal Bank 2,841 -7
• looted 1,585 98
1,282 50
Furniture and fixtures. 700 00
Gross assets except premium D $109,419
7
50 CONNECTICUT MUTUAL FIRE INSURANCE COMPANY.
Amount of premium or deposit notes held by the Company, being
(1,705 in number, ) which are liable to future assessment for pay-
ment of claims, deducting the amount already assessed or col-
lected theieon, 119,428 15
II. LIABILITIES.
Losses in process of adjustment, 2,200 00
Gross premiums received in cash or notes, 12,164 20
Deduct re-insurance, 348 83
Gross premiums on outstanding risks, $11,815 37
Unearned premiums taken at 50 per cent., 5,907 08
Amount due or to become for cash premiums,... 19 20
Gross amount of liabilities: 8,126 94
III. INCOME.
Amount of cash received for premiums, 11,509 02
Deduct amount paid for return premiums 771 11
Net cash received for premiums. 10,737 91
Interest on mortgages of real estate, , 300 00
Interest and dividends from all other sources, 6,442 50
Gross cash income, $17,480 41
Amount of premium or deposit notes liable to assessment,. 49,490 35
IV. EXPENDITURES.
Net amount of losses for the year, 2,956 75
Paid for commissions or brokerage, 1,640 97
Paid or allowed for salaries, fees, &c, 1,950 00
Paid duidng the year for interest on borrowed money, 24 90
Paid for taxes, 821 16
Paid for rents, 150 00
Office, Agency and Incidental expenses, 918 76
Dividend on Guaranty Capital, 6,200 00
Gross expenditures during the year, $ 14,662 54
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the year, (deducting
$630.75 i-e-insurance in other companies,) 2,173,498 20
Risbs written during the year, 1,484.358 00
For a shorter term than one year, 61,620 00
For the term of one year, 175,544 00
For a term of more than one and not more than three years, 751,839 00
For a term of more than three years 495,355 00
Amount of risks terminated during the year, 285,965 33
Losses during the year on risks of the Company, 4, 734 75
ItAMU'KV MUTUAL KIICK IN8UKAN0K COMPANY.
•M
DANBURY MUTUAL FIRE [NSURANCE COMPANY,
Daxbubt, Ooim.
Commenced Boain<
Fredericks. Wildmvn, PruidiM William 8. Peck, S<<-r<tary.
I. ASSETS.
Cash loaned by the Company, secured by mortgage of real estate.
b in the office of the Company
-it in the Savings Bunk of Danbury
Gross assets, except premium notes.
Premium notes held by the company (being 287 in number,)
which are liable to future assessment for payment of claims,
deducting the amount already assessed or collected thereon,
8,492 17
86 81
5,160 r>4
13,728
8,770 0G
II. LIABILITIES.
Gross premiums on outstanding risks, 4,791 08
Unearned premiums taken at fifty per cent
All other demands against the Company,
Gross amount of liabilities,
III. INCOME.
Amount of cash received for premiums, 601 81
Deduct amount paid for return premiums, 4 83
t cash received premiums,
Interest and dividends from all other sources,
Gross cash income received during the year,
Amount of premium or deposit notes, liable to assessments, dur-
ing the year
IV. EXFENDITUBES.
kid during the jear for kmei
I'.ti'l for coinmis-ioiis ;m<l br<»
Paid or allowed for
for taxvs
All other payments ■ad tirpe&diterei
< ir .ijg the ye.tr
2,395 84
42 50
$2,438 34
590 98
752
10
$1,349 08
661
48
60 00
60 is
in 60
|84] 08
52 FARMERS MUTUAL FIRE INSURANCE COMPANY.
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the year,
Premium or deposit notes liable to assessment received on out-
standing risks,
Risks written during the year,
For a term more than one and not more than three years,.
Amount of risks terminated during the year,
Losses occurring during the year on risks of the Company,
340,439 00
8,770 06
24,825 00
24,825 00
17,887 00
50 00
FARMERS MUTUAL FIRE INSURANCE COMPANY,
Suffield, Conn.
Commenced Business, September, 1853.
Wm. L. Loomis, President. Wm. H. Remington, Secretary.
I. ASSETS.
Deposited in the Suffield Savings Bank,
t; '' First National Bank of Suffield, .
Net amount due the Company from agents for premiums collected
and in course of transmission,
Net amount of unpaid assessments or calls on premium or deposit
notes held by the Company, which are due and collectible,
Gross assets except premium notes,
Amount of premium or deposit notes held by the Company which
are liable to future assessment for payment Of claims, deduct-
ing the amount already assessed or collected thereon ,
50
03
100 74
235
53
150
03
536 38
103,024 00
II. LIABILITIES.
Amount of interest due or to become due for borrowed money,
1,G85 00
III. INCOME.
Amount of cash received for premiums, 560 41
Amount actually received for assessments during the year, 818 20
Cash received from borrowed money, 900 00
Gross cash inoome, $2,278 61
L960
mi
181
so
65
on
50 (is
2
so
#2.195
08
FAR1UNGT0H VALLEY MUTUAL FIRK INSURANCE <
IV. EXPEND] I I BE8
ft ' amount of losses for the year
Paid or allowed for salaries, foea a •
Paid for interest on borrowed money,
Ofltoe, agency, and ineidenteJ ezpeneei
Preminm returned
Gross expenditures daring the year
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the year 861.146 <"»
Amount of premium or deposit notes liable to assessments re-
ceived on outstanding risks 108.024 00
Amount of cash deposita received on out-funding risks, (estimated) 6,000 <><)
Amount of risks written during the year, 122,000 00
For a shorter term than one year, 6,000 00
For the term of one year, 6,000 <>•)
For the term of more than three years 116,000 00
Amounted of risks terminated during the year, 17:5,8~>0 00
Losses occurring during the year on risks of the Company, J, 400 00
FARMINGTON VALLEY MUTUAL FIRE INSURANCE
COMPANY,
Faumington, Conn.
Commenced Business, January 31, 1854.
Augustus Wabd, Pretident, Richard H. Gay, Secretory.
I. ASSETS.
Cash loaned by the Company, eo co red by mortgage of real estate, 8,600 00
Cash in the office of the Company, ~>l 94
Deposited in the Farmington Savings Bank, l,0J
Gross assets, except premium notes '■> 89
Amount of premium or deposit notes held by theOompany (being
1<m; in number i whieb are liable to future assessment for pay-
ment of cliiims. deducting the amount <-ssed or <
lected thereon 11,616 24
54 FARMINGTON VALLEY MUTUAL FIKE INSURANCE CO.
II. LIABILITIES.
Gross premiums on outstanding risks, $610 37
Unearned premiums taken at fifty percent., 305 19
Amouut of taxes due and accrued, 27 70
Gross amount of liabilities, $332 98
III. INCOME.
Amount of cash received for premiums, 161 35
Deduct amount paid for return premiums, 75
Net cash received for preminms, 160 60
Interest on mortgages of real estate, 159 90
Interest and dividends from all other sources, 69 65
Gross cash income, $390 15
Amount of premium or deposit notes liable to assessment actually
received during the year, 925 00
IV. EXPENDITURES.
Paid or allowed for salaries and fees, 15 00
Paid for taxes, 25 59
All other payments and expenditures, 55 66
Gross expenditures during the year, $96 25
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the year, 93,0^6 00
Amount of premium or deposit notes liable to assessment received
on outstanding risks, 11,943 74
Amount of risks written during the year, 6.450 00
Amouut of risks terminated during the year,... 3,492 00
GREENWICH MUTUAL FIRE INSURANCE COMPANY.
GREENWICH Ml'ITAL FIRE [NSURANCE COMPANY,
(ii.i i \\\ [< 11. <
Commenced Business, November, I
Tbom nt. .John Dayton, Secretory.
I. ASSI
Cash loaned by the Company, secured by mortgage of real estate, 424 00
Amount of all other oaah lotus made by the Company 1,17.7 '."7
Cash in the office of the Company 717 56
All other property belonging to the Oompeny 75 00
Gr< .xcept premium notes, 7 1 55
Amount oi premium or deposil notes held by the Company (being
: in number, i which are liable to future a for pay-
ment of claims, deducting the amount already assessed or col-
lee; 21,069 50
II. LIABILITIES.
Amount of return premiums due or to become due, 55 05
-nt of taxes due and accrued 89 65
All other demands against the Company, 196 11
ss amount of liabilities, f29
III. INCOME.
Amount of cash rereiv.-l for premiums '171 64
Deduct amount paid for return premiums,. 55 05
N • ive.i f.,r premiums
■ on mortgages of r
from all othet
: loome
»' of premium or dV ; lotually
IV.
Paid for tea
59
ol
56 HARTFOKI) COUNTY MUTUAL FIRE INSURANCE CO.
Paid for rents, , 25 00
All other payments and expenditures, 21 11
Gross expenditures during the year, $311 36
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the yerr, 415,490 00
Amount of premium or deposit notes liable to assessment re-
ceived on outstanding risks, 21,069 50
Cash deposits received on outstanding risks, 3,355 57
Amount of risks written during the year, 89,575 00
For the term of one year, 3S,200 00
For a term of more than one and not more than three years, 18,480 00
For a term of more than three years, 32,895 00
Amount of risks terminated during the year, 105,380 00
Losses occurring during the year on risks of the Company, 75 60
HARTFORD COUNTY MUTUAL FIRE INSURANCE
COMPANY,
Haktford, Conn.
Commenced Business in 1832.
James B. Shultas, President. Wm. A. Erving, Secretary.
I, ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
U. S, Bonds. 6's of 1881, 30,000 00 31,950 00
State of Conn, untaxable bonds,, 5,000 00 5,800 00
Municipal Bonds: —
Hartford City, 45,000 00 48,600 00
*« Town, 18,000 00 19,440 00
<• War 1,000 00 1,060 00
Middletown City, 13,000 00' 13,650 00
Wallingford Town, 4,000 00 4,000 00
Bailroad Bonds : —
Connecticut Western, 2,000 00 500 00
H. K. & P. C, 10,000 00 11,800 00
HARTFORD 0OUNT1 MUTUAL I IKK INSt kanvk Co.
Par * "ii<-.
a : —
Hartford National .7,100 <"> 10,650 00
a •• I 00 00
; '. •■ > 00 I •'<»
Char. Oak M 400 00 BOO 00
■ :\ f 141,000 00 00 155,180 00
a office of the Company 48 17
sited in the Hartford National Hank 27,184 01
Doe from agents for premiuma oollected and in course "f tnu
mission 7,682 i'i
Interest due ox aoerned on the investments and assets, ]."><» <<>
exoepi premium notes $l!M),046 12
Amount of preminmor deposit not* IS, 400 in number),
which are liable to fntnn men! of claims, de-
ducting the amount already assessed or oollected thereon 2,855,. s 87 51
II. LIABILITIES.
I. sees adjusted and unpaid, including inl eon, 2,907 50
I and anadjusted 1,760 00
listed, 4,2(
Gross premiums received in cash (.r not.- (182,160 L'l
aed premiums taken at fifty per cent. Ml 10
- dne and accrued 1,169 ."4
All other demands. 500 00
Gross amount of liabilities ?7f;.<;i7 14
III. INCOME.
h received for premiums 42,720 60
urn premiums 650 25
'.. premiums 42,0T
Interest and dividends from all other sources 10,1 ;
^s cash income % \\ J>8
aJnount of premium or deposit notes liable tc at, §8C "
IV. EXPENDITUBE8,
mount paid during the year f 71 19
oa or brokerage
I.!
All otl nts and l
Gross cash expenditu :■
8
58 HARW1NT0N MUTUAL FIKE INSURANCE CO*
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the year, 23,050,845 65
Premium or deposit notes liable to assessment received on out-
standing risks, , : 2,355,887 54
Amount of risks -written during the year, 8,608,201 82
For the term of one year, 121,725 00
For a term of more than one and not more than three years, 8,486.476 82
Losses occurring during the year on risks, 27,114 69
HARWINTON MUTUAL FIRE INSURANCE COMPANY,
Harwinton, Conn.
Commenced Business, July, 1856.
Charles H. Barber, President. Addison Webster, Secretary.
ASSETS.
Premium notes, (152,) $8,009 45
INCOME. .
Cash received daring the year, 38 00
Notes received $2,134: 50
EXPENDITURES.
Cash expenditures, 10 00
GENERAL ITEMS.
Risks outstanding at end of year. $170,625 00
Written during the year, 47,425 00
HOMK Ml'Tl'AL KIKK [N8UKAN0K OOMPANT.
SOME MUTUAL FIRE [NSURANCK COMPANY,
B
• IB ines, January, i v I
•). F OhAMBDUDI S,,'rct<ivy.
I. ASSETS.
I hy the Company.
Par Value. M;irkct Value.
s : —
! -line
600 on
.-.on 00
1
-iff >rd.
i DO
1,060 on
840 00
1, Meriden
K .tioual, Hartford,
1 00
Uui. 00
Total,
$1,900 00
190 <".
Loant nil.
Par Value. doe A int. Loaned.
Stafford National Bank 1,000 00 1,090 00 1,000 00
Southern 11 It. II. 1st mtg.. '_'."" » 00 1,800 00 800 00
Granite Miil 2.00000 2,000 00 1,900 00
life ft Annuity 6,000 00 4,600 00 L'.ioo 00
1,990 00
Total. $11,000 00 I $6,400 00 5,400 00
mortgage of real estate,
:it of all other cash loans made by the Company 192 49
. in the office of the ( 284 17
- tkmalBenk \:v2 4:'.
tfl for premiums collected and in
course of tram
Due from othe- lid 210 12
Inte: regoing if. - and asset- 1.1!
All other property belonging to the Company, 160 00
rash assets $82,8*
Amount of premium notes held by t ;
number; which are liable to future assessment for payment of
06
HOME MUTUAL FIRE INSURANCE COMPANY
17
77
700
00
$8
,381
27
3<
,000
00
II. LIABILITIES.
Losses reported, in process of adjustment, 1,700 00
Gross premiums received in cash or notes,.. 12,150 00
Deduct r^-insurance 223 00
Gross premiums on outstanding risks, $11,927 00
Unearned premiums taken at fifty per cent., 5,963 50
Due or to become due to other Companies for premiums on re-
insurance policies or contracts.
All other demands against the Company...
Gross amount of liabilities,
Guaran t ee Capital
III. INCOME.
Amount of cash received for premiums, 6,095 91
Deduct amount paid for return premiums, 770 05
Net cash received for premiums, 5,325 26
Amount received for interest on mortgages of real estate, 1,303 00
Interest and dividends from all other sources, 1,445 00
Gross cash income, $8,073 26
Amount of premium notes liable to assessment actually received
during the year, 29,525 00
IV. EXPENDITURES.
Net amount paid during the year for losses,
Commissions or brokerage,
Paid or allowed for salaries and fees,
Paid for taxes,
Ail other payments and expen ditures,
Gross expenditures during the year, $7,H4 41
5,356
00
545
21
650
00
268
20
325
00
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the year, deducting
$42,000.00 re-insured in other Companies, , \ 75] 744 00
Amount of premium or deposit notes liable to assessment received
on outstanding risks 73 03° 15
Cash deposits received on outstanding risks, 14 qqq 43
Amount of risks written during the year, 878 717 00
For a shorter term than one year, 52 600 00
For the term of one year, 200 459 00
For a term of more than one and not inore than three years, 391 352 00
For a term of more than three years, 174 306 00
Amount of risks terminated during the year, 225 5?° 00
Losses occurring during the year on risks of the Company, 7,056 00
LITCHFIELD MUTUAL KluK INSUKANOK COMPANY
ijtchfield mutual fire insurance company,
WllU'IN,,. I
I.
Stocks and h
P.ir I
ks : —
I'ii.- 13,500 00
mpany.
Market Value.
] 1,890 75
2,19
oo
1,060
2,160 00
1,050 00
ori
: r
1
i of Bridgeport
Hebron
N *rfoIk 10,000 00
v l Britain,
Greenwich 1,000
rd
l!
5 75
f real est
Promissory note>
Cash loaned by the Company, secured by mortgage o
Cash in the office of the (Jompany,
7,84
756 89
Deposit in the F aik. Litchfield,
I
In the Li" B
192 12
iiiums col'
1,0;
1 7
, 1 57
rr. LIABILT]
Loaoon in process of
Looses re
ih
1
All other demands &j
HI. INCOME
-
62 MADISON MUTUAL FIRE INSURANCE COMPANY.
Interest on mortgages of real estate, 888 57
Interest and dividends from all other sources, including premium
on coin, 2,023 89
Gross cash income, $8,700 56
IV. EXPENDITURES.
Net amount of losses for the year, 4,954 00
Paid for commissions or brokerage, 438 31
Paid or allowed for salaries, fees, &c, 1,000 00
Paid for taxes, 380 91
Paid for rents, 50 00
Office, agency and incidental expenses, 112 11
Gross expenditures during the year, $6,935 36
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the year, 4,115,507 00
Risks written during the year, 1,473,657 00
For a term of more than one and not more than three years, 1,473,657 00
Amount of risks terminated during the year, 1,477.205 00
Losses during the year on risks of the Company,. 6,904 00
MADISON MUTUAL FIRE INSURANCE COMPANY,
Madison, Conn.
Commenced Business, Oct. 8th, 1855.
George Dowd, President A. M. Dowd, Secretary.
I. ASSETS.
Cash loaned by the Company, secured by mortgage of real estate,
All other loans made by the Company,
Cash in the office of the Company,
Deposited in the Connecticut Savings Bank,
Deposit in the Townsend Savings Bank, $840.95 ; estimated val.
Due for premiums in course of collection,
Interest due and accrued,
Gross assets, except premium notes, $5,417 21
2,930 00
380 00
186 09
1,403 16
240 27
72 15
205 54
MADISON Ml it \ l. PIR1 INS1 i; I UFAN1 .
Premium i >mpany (being 801 In numl
which are liable t<> future aaaeasinent t"<»r payment of chums.
II. LIABHiT]
preminma on ontei u - 1,288
urned premium8 taken at fifty per cent 844 27
ail other d the Oonipanj
ai amount of liabilities
III. INCOME.
I for preminma
-• on mortg J estate
it and dividends from all other aouroea
. 1 during the year
Amoui.- . mi or deposit notes, liable to assessments, dur-
ing the year
IV. EXFENDITUB
for aalari
Ail other pa ad expenditures, H 25
Gr<> during the year- §88 x i
V. (IKNUtAL ITKMS.
Amonnt of ling at the end of the year ,705 00
Premium or deposit notes liable to tit received on out-
standing ri-ks
82, l
7,51
i term more than one and not mdre than tin-.- 24,6
Amo 86,4!
415
19
79
29
|571
:;.:.-. i
50
64 MIDDLESEX MUTUAL FIRE INSURANCE COMPANY.
MIDDLESEX MUTUAL ASSURANCE COMPANY,
MlDDLETOWN, CONN.
Commenced Business. June 13tb, 1836.
Wm, R. Galpin, President. H. F. Boaruman. Secretary
I.
ASSETS.
Stocks and Bonds owned by the
Company.
Par Value.
Market Value.
U. S. Stocks : —
U. S. coupon, 6's, 1881
4,000 00
4,240 00
" reg. 6's. 1881,
16,000 00
17,020 00
•' reg. 5-20's, new, I860,
10,000 00
10,250 00
18(58,
10,000 00
10,662 50
" 4Vs, reg. Funded Loan, '91,
10,000 00
10,312 50
Municipal Bonds : —
City of Middletown, (water) 6 p. c.
300 00
300 00
" Portsmouth, Ohio, 7's,....
5,000 00
5,000 00
Town of Middletown Conn. 6's,..
20,000 00
21,200 00
7's,..
18,600 00
20,460 00
" Middlefield, Ct. 6's
17,500 00
18,375 00
" Portland, Ct. 6's,
8,000 00
8,480 00
" " 7's,
7,000 00
4,000 00
5,000 00
7,700 00
' ; Chatham, Ct. 7's,
4,400 00
5.150 00
" Hebron, Ct. 6's,
Railroad Bonds :—
Norwich & Worcester, 6's,
5.000 00
5.200 00
Railroad Stocks : —
New York Central & Hud. River,.
5.000 00
5.300 00
Chicago, R I. & Pacific,
5,000 00
5,000 00
New York, New Haven & Hart....
5,000 00
7,650 00
Bank Stocks : —
1st National Bank of Middletown,
15,000 00
15,000 00
Middletown National,
9,375 00
12.500 00
Central National, Middletown,
2,250 00
3,060 00
Middlesex Co., Middletown,
7,500 00
7,500 00
American Exchange, N. Y.,
5,500 00
5.775 00
National Park, N. Y., *.... .
1,000 00
1,000 00
Miscellaneous : —
Peoples Fire Ins. Co., Middletown
3,500 00
3,500 00
Total,
$199,525 00
$215,035 00
$215,035 0C
Mll»l)I.i:si:\ MUTUAL ViKi: IN8UKANCK COMPANY.
■ ■<il.
Vm- Value. Market Value. ami Lot
•_>d mort bd Mil. A St Paul It. H. 600 00 610 001 ( (|()() ()()
14 Alton* Ter. Haute R.B 1,000 00 1,060 00J
Total, $1,600 00 $1,660 00 $1,000 0(1 1,000 00
ad by the Company, unencumbered 41.000 00
loaned by the Company, secured by mortgage of real estate, 10,000 00
ft, M
In the MiiMletown Savings Bank 4.0!>!» :m
Iu the Fanners ami Mechanics Saving- Bank 1,001 ';■;
Net amount duo the Company from agents for premiums collected
and in course of transmission 69 17
Premiums unpaid aud in course of collect ion, I 27 4<;
Interest due and accrued on foregoing investments and assets,... 1,23(J 00
Gross cash assets ._' :.o
Amount of premium liens held by the Company (being 16,190 in
number; which are liable to future -nt for payment of
claims .;.-, n
II. LIABILITIES.
Losses resisted, 10,216 98
-- premiums received in cash or notes 230,403 62
Deduct re-insurance, 9fi 00
Gross premiums on outstanding risks, $230,307 62
Unearned premiums taken at tifty per cent., 116,163 81
Taxes due and accrued, 1,408 12
Gross amount of liabilities $126,77ti
III INCOME.
Amount of oaah received for premiums 61,723 24
Deduct amount pail for return premiums 3,993 23
cash received for premiums 47.7.
Amount received for J es of ^real I 1,819 66
Fori:.- » from all other 13,709 76
Cash luring the year for rei 166 84
>h income $66,424
liable to. t actually received
diving th<- year
I\. EXPENDITUBES
Net ai • •'-
W f,j
66 NEW LONDON COUNTY MUTUAL FIRE INSURANCE CO.
Paid or allowed for salaries, fees, &c, 5.449 97
Paid for taxes, : 2,000 33
All other payments and expenses, 3,166 52
Gross expenditures during the year, $50,586 78
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the year, deducting
$12,000 re-insured in other companies, 29,307,094 46
Amount of premium liens liable to assessments received on out-
standing risks , 3,112,835 00
Amount of cash deposits received on outstanding risks, 230, 403 62
Amount of risks written during the year, 4,363,448 33
For a shorter term than one year, 52,950 00
For the term of one year, 134,700 00
For a term of more than one and not more than three years 2,040,621 16
For a term of more than three years, 2,135,177 17
Amount of risks terminated during the year, 4.555,597 16
Losses occurring during the year on risks of the Company, 26,586 59
NEW LONDON COUNTY MUTUAL FIRE INSURANCE
COMPANY,
Norwich, Conn.
Commenced Business, July, 1840.
Ebenezer F. Parker, President. C. J. Fillmore, Secretary.
I. ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
Bank Stocks : —
Hanover National, New York, 5,000 00 5,100 00
American Ex. National, " 4,000 00 4,200 00
National Park, " 4,000 00 4,200 00
Merchants Ex. National, " 2,400 00 2,400 00
Nat. Bank of Commerce, " 1,000 00 1,200 00
Corn Exchange, " 2,000 00 2,400 00
Nassau. " 2,000 00 2,000 00
NEW LONDON OOUNTY MUTUAL HRB INSURANCE CO. 67
! Willi.-. M.llkrt \ tint.
Continental National, New York, 1,600 1,050 00
- Nicholas National. •• 1,000 (ill 1,000 ni»
Bank of Amerioa, " 1,000 00 1,820 00
M etropolitan National, * m u ■ 00 1,072 00
Diy Goods (in liquidation), M 600 00 »;
National Bank State of New York, 400 00 180 <><>
fcoeket, National, Norwich, (X, 4,000 00 4,400 <><>
M. rohanta " u 400 fo 880 00
o aoua : —
Norwich OttyQas stock, 9,560 00 10,982 5<>
Gt. Weal (marine) Ins. Co., N.V. 1,200 00 1,200 00
Total $40,860 00 $43,984 50 48,984 50
Deposited in the Shetucket National Bank, 1,896 74
In the Chelsea Savings Bank, 6,886 31
In the Norwich Savings Society, 7,691 87
.mount due from agents for premiums collected and in
course of transmission :;.">l 71
jount paid during the year for losses,
Commissions or brokerage,
Paid or alio lariat and fees
Paid for taxes
All other payments and expenditures,
Gross expenditures during tlx-
Gross cash assets $.*i8,764 13
II. LIABILITIES.
■ premiums on outstanding risks, $8,871 88
Unearned premiums taken at hf ty per cent., 4,18
Gross amount of liabilities, $4,186 69
III. INCOME.
Amount of cash received for premiums, 3,617 '.<:;
Deduc: amount paid for return premiums, 14s .").">
cash received for premiums, :'», I
Interest and dividends from all other sources, ' :',. 17<» 21
-s cash income, $6,969 69
IV. EXPENDITURES.
B,454 81
640 98
468 01
v. GENERAL 1 1 EMS
• c and of I
Cash deposits receiv l 88
68 NORWICH MUTUAL FIRE INSURANCE COMPANY.
Amount of risks writ ten during the year, 642,856 00
For a shorter term than one year, 14,840 00
For the term of one year, 256,000 00
For a term of more than one and not more than three years, 246,632 00
For a term of more than three years, 125,384 00
Amount of risks terminated during the year, 536,478 00
Losses occurring during the year on risks of the Company, 5,254 31
NORWICH MUTUAL ASSURANCE COMPANY,
Noiiwtch, Conn.
Commenced Business. 1794.
Asa Backus, Secretary.
I. ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
U. S. 4f s, Gov. bonds, 1,200 00 1,236 00
Bank Stocks : —
Norwich National, 5,700 00 5,700 00
Merchants National, 1,120 00 1,036 00
First National, 300 00 210 00
Tolland County... 300 00 300 00
Total, $8,620 00 $8,482 00 8,482 00
Amount of all other cash loans made by the Company 480 00
Deposited in Merchants National bank,
Deposited in the Norwich Savings,
794 06
500 00
Deposited in the Chelsea Savings, 1,000 00
G-ross amount of assets, ?..., $11,256 06
II. LIABILITIES.
Gross premiums on outstanding risks, $550 47
Unearned premiums taken at fifty per cent., 275 24
Amount of taxes due and accrued,
90 18
All other demands against the Company, 206 30
Gross amount of liabilities, $571 72
FVILLK MUTUAL FIRK IN8UKANCK COMPANY.
III. INCOME.
17
Interest and diYidenda from all other soareea 7 1 s »;i
Gross amount of income ... .269 08
iv. expenditubes.
Paid or allowed for salaries, fees, &o 200 <><>
90 is
All other payments and expend.-
io egpenditnree during the year $296 i B
V. OENERAL items
ant of risks outstanding at the end of the year, 215,034 ")"
Amount of risks written during the year 215,084 60
ROCKVTLLE MUTUAL FIRE ENSURANCE COMPANY,
Rockyille, Conn
Commenced Bnsfa* aber 7th. 1 -
GeOI; I La m,;.: B Ei^sell, Secretary.
I. ASSETS.
iit of ell oeeh loans by the Company 2,000 no
Deposited in the First National Bank <<f Rookrille,
monnt dm- the Company from agents for premiums e Mlect-
ed and in course of transmission
Gro
Amount of premium or deposit notes held by the Oompsny,! i"-iug
185 in number,] siiieh are liable to future ■ssossmwnt for j
mt! 1 ' " 1 -
70 ROCKV1LLE MUTUAL FIRE INSURANCE COMPANY.
II. LIABILITIES.
Gross premiums on outstanding risks, : $987 54
Unearned premiums taken at fifty per cent., 493 77
Gross amount of liabilities, $493 77
III. INCOME.
Net cash received for premiums, 283 91
Interest and dividends from all other sources, 183 06
Gross amount of income, $466 97
Amount of premium or deposit notes liable to assessment actually
received during the year, 1,495 25
IV. EXPENDITURES.
Paid for commissions or brokerage, 37 78
Paid for taxes, 12 77
All other payments and expenditures, 23 50
Gross cash expenditures during the year, $74 05
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the year, 152,475 00
Amount of premium or deposit notes liable to assessment re-
ceived on outstanding risks, 4,347 29
Risks written during the year, 45,4.00 00
For a shorter term than one year, 5,000 00
For the term of one year, 5,200 00
For a term of more than one and not more than three years, 30,750 00
For a term of more than three years,.. 4,450 00
Risks terminated during the year, 32,550 00
MUTUAL KIKK IN8UKANCK COMPANY.
STATE MUTUAL FIRE INSURANCE COMPANY,
BaBTVOBD, Conn.
Commenoed Buamees, October, L867.
K.u.rn Cfii.i.r.i r. President :oss. -h;.. Secretary,
I. ASSETS.
/ ll'it'i* owned by tin Compa
Par Value. Market Value.
Municipal Bomds : —
Hartford Oitj 1,000 00 1,060 00
•• 1,000 00 1,060 00
•• 1,00 ' 00 1,060 I
•• Water, 1,000 00 1,060 00
Kaii.I. « : —
tford, Pnmden.ee A FMikill. . 1,000 00 1,08
1,000 00 1,080 00
l.oiKi 00 1,080 00
Indiana Central 1,000 00 l.ooo 00
l.ooo 00 l,"oo 00
Connection Western 1,000 00 260 00
Railroad Stock- : —
Y..:k. N. H. A Hartford 1,001 1,540 00
Ban Stocks : —
Mercantile National,
Nat ional Exchange.
Bona]
- : —
I ras Co.
1,000 00
1,140 00
00
818 00
600 00
54 N 1
880 00
200 00
LMo 00
760 00
1,440 00
>l 1,660 00
,286 00
$14,650 00 00 !•:.:
>al.
640
on
Total - ,100 00 $1,2* 06
Cash loaned by
Amount of all oth<-r made by ttai Oompaii j 1,0
70 ROCKV1LLE MUTUAL FIRE INSURANCE COMPANY.
II. LIABILITIES.
Gross premiums on outstanding risks, ; $387 54
Unearned premiums taken at fifty per cent.,. 493 77
Gross amount of liabilities $493 77
III. INCOME.
Net cash received for premiums, 283 91
Interest and dividends from all other sources, 183 06
Gross amount of income, $466 97
Amount of premium or deposit notes liable to assessment actually
received during the year, 1,495 25
IV. EXPENDITURES.
Paid for commissions or brokerage, 37 78
Paid for taxes, 12 77
All other payments and expenditures, 23 50
Gross cash expenditures during the year, $74 05
V. GENERAL ITEMS.
Amount of risks outstanding at the end of the year, 152,475 00
Amount of premium or deposit notes liable to assessment re-
ceived on outstanding risks, 4,347 29
Risks written during the year, 45,400 00
For a shorter term than one year, 5,000 00
For the term of one year, 5,200 00
For a term of more than one and not more than three years, 30,750 00
For a term of more than three years,.. 4,450 00
Risks terminated dE [NSURANCE COMPANY,
1 * n 1 1 . \ i > i . i ruiA, i'knn.
mmenoed Business, March 12th, 1810.
IIabis, Pretident. Aiskbt O. L. Cbawtobd, Secretary,
Attorney in Connecticut, J. X. Cbandaix, Norwich.
I. CAPITAL.
Capital actually paid up In cash, $400,000 00
IT. ASSETS.
Real estate owned by the Company unencumbered 160,100 00
Loans on bond and mortgage, (first liens , not more than one
• due 419,689 50
L tana on bond and mortgage, (first liens) more than one year's
interest due 2,800 no
Interest due and accrued on bond and mortgage loans, 9,145 B0
Value of the land mortgaged, $348,975
Bnildingfl i insured for $845,600), 664,675
$1,018, Hi
tjfcj and Bonds owned by the Company.
Par Value. Market Valne
r. s. urn Br >. B : —
581,... 100,(1 I I 105,250 00
: 108,51
24,000 <»> I 00
...... 1,600 00 1,120 00
80,000 00 .".".«;■ i
m : —
10,000 " :| 00
•t.. 8 per c... i 1,000 00 1ft, 190 00
: " 1,440 00
80,000 On 2I,7( I
••
la,, .Wilmington A Baltimore,. 10,0 00
D.AR.C. A C. & A l: i 00
86
AMERICAN KIRK INSURANCE C3IRANV.
Penn. R. R. 6's, navy yd. purch.,
Philadelphia & Reading, coupons,
Railroad Stocks : —
North Pennsylvania,
Pennsylvania,
Miscellaneous : —
Schuylkill Nav. Co., 1st mort. bds.
Chesa. & Delaware Canal, mort;,.
Lehigh Coal & Nav. Co., 188-1, .
11 loan, 1897,
Susquehanna Canal Co., mort.,...
Delaware Division Canal Co. ,
Schulkill Nav. Co., mort. loan, '82
Am. Steamship Go's loan, guar., .
Par Value.
10,000 00
2.100 00
5,000 00
5,000 00
12,000 00
10,000 00
20,000 00
20,000 00
7,000 00
15,000 00
1,225 00
15,000 00
Market Value.
10,000 00
1.407 00
3,700 00
3,300 00
10,800 00
7,600 00
20,000 00
20,400 00
2,100 00
15,000 00
784 00
11,175 00
Total, $505,925 00 $486,800 00 480,806 00
Lehigh Coal & Nav. Co.,
U. S. 5-20's, 1867,
Lehigh Val. R. R. 7's,
Nesquehoning Val. R. R......
State of Missouri bond,
U. S. Fertiliz. & Chem. Co.,
Lehigh Val. R. R.,
Mortgage additional,
Cambria Iron Co.,
Penn. Salt Mfg. Co.,
Charlest'n,S.C.,M.& Mfg Co.
Pennsylvania R. R. Co.,
Lehigh Coal & Nav. Co.,
Phila. & Read. R. R. conver.
Charleston, S. C., M.& Mfg Co.
Lehigh Val. R. R.
Total
Loans on
Par Value.
2,000 00
* 1.000 00
3,000 00
1,250 00
1,000 00
2.250 00
9,800 00
2,000 00
12,500 00
25,000 00
7.000 00
5,000 00
12,500 00
10,000 00
2,000 00
3,600 00
10,000 00
Collateral.
Market Value.
1,740 00
1,083 75
3,360 00
1,162 50 >
1,000 oo)
1,800 00
7,840 00)
2,000 00J
12,500 00)
32,500 00)
8,800 00
3,330 00
4,625 00)
5,600 00*
2,200 00)
2,880 00>
8.000 00
109,900 00 $100,391 25
Amr. Loaned.
1,678 98
1,050 00
4,000 00
1,350 00
7,000 00
32,000 00
7,000 00
1,000 00
5,000 00
3,000 00
6,000 00
569,078 98
Ground rents well secured,
Cash in Company's principal office,
Cash deposited in banks,
Interest due and accrued on stocks,
Interest due and accrued on collateral loans,
Net premiums in dtie course of collection,....
Rents due and accrued
69,078 98
41,040 83
929 56
84,152 56
5,165 25
1,678 49
18,597 77
376 77
Assets of the Company at their actual value, $1,289,511 51
AMERICAN F1KK LNSUKANCK COMPANY.
III. LIABILITIES.
s adjusted and unpaid 6,898 4:;
>rted and unadjusted 7,687 57
a resisted 5,600 <><)
Net amount of unpaid losses I9,0fl
Unearned premiums on fin risks, one year or less,... $153, 866 72
premiums on risks mors than one year lm,7<> - 2 00
Amount of unearned premiums as eompnted sdots 175,128 ~'±
Amount reelaimable <>n perpetnal lire insurance policies) 272,376 70
dividends to stockholders remaining unpaid?
Dae and aoerned for salaries, rent, Arc, 450 00
All other d( gainst the Company,... 1,386 It
Total liabilities except capital stock, 4<;;>.277 56
Capital stock 400,000 00
Surplus beyond capital 420,233 95
Total liabilities including capital and surplus $1,289,511 51
IV. INCOME DURING THE YEAR.
Premiums received in cash, 369,826 90
Deduct re-in-urauce. rebate, abatements and return
premiums 36,158 9!>
Actual cash premiums 338,667 91
From interest on bonds and mortgages, 24,437 08
From interest on loans and dividends on stocks and bonds, 32.289 38
From all other sources, 4.174 01
Dep. prms. [less 5 p. 0, | reed, on perpetual fire risks,... $2, 762 28
Actual cash income, $3!)4,868 33
V. EXPENDITURES DURING tin: YE\K.
Amount paid foi including $22,498 96 occurring in pre-
vi«» . - 202,056 25
Cash dividends
Con.;. r brokerage 134 42
a 347 76
Taies, 18,:
Allot: 27 .">.",
■ nrned on perpetual lire i i
Actual cash expenditures '4 lm
vi. lUSCELLlNEOl -
: tO
run from date of policy. - '-1 27
88 AMERICAN CENTRAL KIKE INSURANCE COMPANY.
Having more than one and not more than three
years to run from date of policy, '. 1,346,345 00 10.997 04
Having more than three years to run from date of
policy 682,331 00 11,791 81
Perpetual risks in fo-ice and interest premiums,... 10,988,208 00 28G.8G2 31
$42,800,236 00 020,582 43
Premiums received since the organization of the Company 5,904.960 34
Losses paid since the organization of the Company, 3,932,006 93
Cash dividends paid stockholders, 1,972,975 50
Stock owned by directors at date, 18,600 00
Loaned to stockholders not officers , 900 00
Business in Connecticut in 1877.
Fire risks taken (no inland), 931,345 00
Premiums received on same. 10,944 89
Losses paid, 9,083 06
AMERICAN CENTRAL INSURANCE COMPANY,
St. Louis. Mo.
Commenced Business, February, 1853.
George T. Cram, President. James Newman, Secretary.
Attorney in Connecticut, C. C. Kimball, Hartford,
I. CAPITAL.
Capital actually paid up in cash, $300,000 00
II. ASSETS.
• Stocks and Bonds owned by the Company. ,
Par Value. Market Value.
U. S. and: State Stocks : —
U. S. bonds reg. currency, 6's,.... 150,000 00 180,000 00
" bonds, 35.000 00 42,000 00
" bonds, 15,000 00 20,000 00
New coin loans, reg., 50,000 00 53,000 00
Missouri 6 per cent., 400,000 00 422,000 00
Total, $050,000 00 $717,000 00 717,000 00
AMKKUWN CENTRAL 1'IUK INSURANCE '"MI'ANt.
ay's principal offloe 1,607 90
ttl I s 16
,:ns in due l( otion i I' 1 08
law i of the I I nal value - 50
[II. LIABILITIES.
. ind unp ud, > 81
I and unadjusted 20,655 00
U, .'><>( I oo
inio unt of unpaid losses
premiums on fire risks, one year or less.... 151,888 10
■it- i pii- anions on riaks more than one year 61,752 7 7
Amount of unearned premiums as computed above, 218,590 87
Lividends 1 >lders remaining unpaid 1,070 00
:;t capital stock 282, 171 71
,000 on
Surplus beyond capital 207, -
J liabilities including capital and surplus $79 i,305 50
IV. INCOME DURING THE YEAR,
inms received in cash 449,381 :'•■'>
rebate, abatements and return
lutns 63,789 |)9
Actual cash premiums ,592 24
From in teres! on bonds 86,054 68
From interest on loans and dividend I bonds 1,647 89
acome 9428,294 ::!
V. EXPENDITURES DURING THE YKAK.
Amount paid for I '. ! 10.57 occur-
ring in p 201,948 <'>7
Deduct sal vage and re-ini 16,509 ''-i
Cash
i- 7.
!19 16
All other i
tual oaeh expenditures
V!
run •
90 AMERICAN EXCHANGE FIRE INSURANCE COMPANY.
Having more than one and not more than three
years to run from date of policy, 3,719,230 00 56,615 30
Having more than three years to run from date
of policy, 3,846.517 00 73.222 72
27,785,584 00 433,514 23
Premiums received since the organization of the Company, 4,551,594 35
Losses paid since the organization of the Company, 2,603,705 48
Cash dividends paid stockholders, 153,537 70
Stock owned by directors at date, 60,575 00
Stock dividends declared, 81,250 00
Business in Connecticut in 1877.
Fire risks taken (no inland,) 195,498 00
Premiums received on same., 2,905 29
Losses paid, 3,681 52
AMERICAN EXCHANGE FIRE INSURANCE COMPANY,
New York City.
Commenced Business, March 1st, 185!).
Henry Butler, President. William Raynor, Secretary.
Attorney in Connecticut. John Hinsdale, Winsted,
I. CAPITAL.
Capital actually paid up in cash. $200,000 00
II. ASSETS.
Heal estate owned by the Company, unencumbered, 20,000 00
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 11,300 00
Loans on bond and mortgage, (first liens) more than one
year's interest due, , 500 00
Interest due and accrued on bond and mortgage loans, 418 97
Value of the land mortgaged, $11,250 00
Buildings, 18,500 00
$29,750 00
AM EXCHANGE NKIC INSUKANCK COMPANY. 91
. •;■ Mark • •
D R o no
l- . .... 8,161 26
.poll .".Il.tr .,|.-J
ipon 10, 87 •"■<»
B8,000 no
- : —
Br....kl>: 10,000 nn 8,500 (in
An. :-'7.7ni» no j no
1,000 nn I no
d - - . I 00 *K'-V1 •''■"- '■> 105,45/i 76
/.■■ ' '.it,/-"!.
M . • V [] ... Ann. Loaned.
A-. X. H. K. B 4,900 nn 7,850 001
mabnrgh Oas Oo 5,0( I
. ... 4.:.t 4,950 00 > 18,400 0(1
. Brie K. EL, bdn 2,01 2,< 00
00J
: 2,000 00 8,150 00 2»000
W< ■( ... 1,940 00 5,181 I
tonal Bank 5,200 00 5,200 00 14.200 00
rioao Trust On 10,000 00 5.000 001
.. . 86,000 I 86,01 00 2
- i 00
Oaoh in Company's principal office, l".'7 01
6,969 in
Interest due an : 486 26
Interest due and accrued raJ loans 1,276 B4
reminma in due course of collection B,160 in
y at their actual value |' >4,454 •"-*-'
in. i.iAi;ii.n i
Unea:
l,84fi
•
AMERICAN EXCHANGE F1RK INSURANCE COMPANY.
IV. INCOME DURING THE YEAR.
Fire.
Premiums received in cash, $50,380 57
Deduct re-insurfince, rebate, abate-
ments and return premiums, 9,525 14
Inland.
>2,455 50
Actual casb premiums, $-10,855 43 $ 2,455 50
From interest on bonds and mortgages,
From interest on loans and dividends on stocks and bonds
Fi om rents,
Actual cash income,
43.310 93
1.137 20
13,703 *JR
400 00
'58,012 17
V. EXPENDITURES DURING THE YEAR.
Fire. Inland.
Amount paid for losses, (including $190-
00 occurring in previous years,) 10,162 29
Deduct re-insuiance, 239 15
Net amount paid for losses,
Cash dividends,
Commissions or brokerage,
Salaries and fees,
Taxes,
All other payments and expenses,
9,923 14
128 44
128 44
Actual cash expenditures,
10.051 58
20,280 00
2,244 05
18,086 32
1,332 07
6,933 94
$58,927 96
VI. MISCELLANEOUS,
Fire. Premiums.
Risks in force having not more than one year to
run from date of policy, 9,653,127 00 35,841 99
Having more than one and not more than three
years to run from date of policy, 291 305 00 1,934 50
Having more than three years to run from date of
policy, 40,450 00 380 98
9,984,882 00 38,157 47
Inland. Premiums.
75,000 00 1,195 50
Premiums received since the organization of the Company, 1,254,549 84
Losses paid since the organization of the Company, 5C4,139 73
Cash dividends paid stockholders 245,000 00
Stock owned by directors at date, .'.. 63,000 00
Loaned to officers and directors., 53,600 00
Business in Connecticut in 1877.
Fire risks taken (no inland,)
Premiums received on same,
14,300 00
138 50
ATL kKTIC INSUH \NfK COMPAti i 1 "'
ATLANTIC INSURANCE COMPANY,
I ' \ N. x. v.
Commenced Business, January 28d, 1872.
Wii.i i .m d. (•■ km i i . Secretary.
' ■•'. Silas Chapman, Jb., Hartford.
I. CAPITAL.
•ually paid up in cash $200,000 do
II. ASSETS.
and mor< -t liens) not more than one
dm 94,5
L on bond and mortgage loans .",<:; <;:
Value of the land mortgaged, $106,500 00
Buildings (insured for $102,000) 152,500 00
on
'/ Bonds owned by tht Company,
: —
I'm - • i registered G's, 1881, 50,000 00 53,500 00
L865, 40,000 11,200 00
70,000 on 71,050 00
coup 30,000 «"» 31,612 50
10,1 in.:
19,000 2,400 00
Mini. ir.u. 1
Il 11 ,5
I •• - 2 50 2
on
94 ATLANTIC INSURANCE UCAIPANY.
Par Value. Market Value. Amt. Loaned.
Gold cer. check Bk. of N. Y. 20,500 00 21,,068 7»1
Springfield. 111., water bds.,. 7,000 00 6,300 00 ',
Central Pacific R.R. 1st mor. 2,000 00 2,090 00 j
Rock Island " '' 2,000 00 2,060 00 [
State of Georgia 7's, gold,... 2,000 00 2,100 00 [ 3o » 000 00
Missouri Pacific, Istmort,,.. 1,000 00 1,000 00 I
Union Pacific R.R., sink. fd. 2,000 00 1,880 00 |
" Istmort. 2,000 00 2,150 00 J
Total, , $04,000 00 $70,893 75 $53,600 00 53,600 00
Cash in Company's principal office, 23,651 54
Cash deposited in Hank, 22.237 85
Interest due and accrued on collateral loans, 351 38
Net premiums in due course of collection, 17,298 91
Assets of the Company at their actual value, $433,745 85
III. LIABILITIES.
Losses adjusted and unpaid, 11,511 62
Losses reported and unadjusted 5,777 07
Losses resisted, 10,250 70
Net amount of unpaid losses, 27,539 39
Unearned premiums on fire risks, one year or less,... 88,280 49
Unearned premiums on risks more than one year,.... 8,354 10
Unearned premium s as computed above, 96, 634 59
Total liabilities except capital stock, 124,173 98
Capital stock, 200,000 00
Surplus beyond capital, 109,571 87
Total liabilities including capital and surplus, $433,745 85
IV. INCOME DURING THE YEAR.
Premiums received in cash, 357,460 83
Deduct re insurance, rebate, abatements and return
premiums, 46,144 38
Actual cash premiums, 311,316 45
From interest on bonds and mortgages,. 7,008 25
From interest on loans and dividends on stocks and bonds, 15,843 66
Actual cash income, $334,168 36
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $31,022.75 occur-
ring in previous years), 215,315 99
Deduct salvage and re-iusurance, 1,099 5L
Net amount paid for losses, 214,216 48
All, AN riC IX8UM INOK COMPANY.
80,000 00
1 1. ; 1 1 19
i 00
All other p i.' 7 . '. • - ; 1 92
tnal oash Axpenditnres $840,771
V. mis JELLANEOUS.
Premiums,
Bisks in foroe having not more than one year
to ran from date of policy, 22,114,80] 00 176,560 99
Baring more ti ad not more than ti.
ran from date of policy U77. us.") oo *.•.'.'■
g more than tl to ran from date of
policy, 211,475 00 29 :..".
6] 00 189,159 12
ived since the organization of the Company 2,005,969 7.".
Loaeea paid since the organization of the Company, 1,050,942 28
i dividends pud stockholders 100,000 <>"
k owned by directors at date .*!.-
Loan- rs and directors 15,000 <;<>
4 officers 400 00
' in 1877.
1,319,771 00
Jams reoeired 15,797 7!
id 17. .Mo 01
96 ATLANTIC V. AND M. INSURANCE COMPANY.
ATLANTIC FIRE AND MARINE INSURANCE COMPANY,
Providence, it. I.
Commenced Business, June, 1852.
J. S. Parish, President. T. W. Hayward, Jr., Secretary.
Attorney in Connecticut, W. E. Baker, Hartford.
I. CAPITAL.
Capital actually paid up in cash $ 200,000 00
II. ASSETS.
Real Estate owned by the Company unencumbered, 145,780 26
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks :—
United States bonds, 1867, 15,00;) 00 15,825 00
Kailroad Bonds :--
Michigan Central, 10,400 00 6,240 00
Bank Stocks : —
Nat.Bank of Commerce, Prov.,... 10,000 00 9,400 00
Northern, " ... 12,000 00 10.800 00
Weybosset National, " ... 5,650 00 0,780 00
First, ' "... 20,000 00 18,400 00
R. I. Safe Deposit Co., «• ... 1,000 00 500 00
Merchants National, " ... 10,000 00 11,400 00
Fourth, " "... 10,000 00 21,125 00
American Exchange Nat. N. Y.,.. 1,100 00 1,166 00
Total, $102,050 00 $101,030 00 101,036 00
Cash in Company's principal office, 155 82
Gross premiums in due course of collection, 10,194 25
Bills receivable 50 00
All other property belonging to the Company, 5,026 18
Assets of the Company at their actual value, '.. $202,842 51
III. LIABILITIES.
Losses adjusted and unpaid, $2,949 13
Losses reported and unadjusted, 7.590 0!)
Total. 10,539 13
Deduct re-insurance, V>00 00
Net amount of unpaid losses, 9,039 13
INTIG F. am. II. INSURANCE COMPANY. VA
premiume on fire risks, one jeer orlesi 29,810 18
mora then one j ear, 6,987 05
mis on u
unl of nn€ inn d premiums ss oompnted shore,
lining unpaid i">i 60
I ~ I 71
12,0
• the Company .• 1,988 <;i
il liul.iliti. oapital stock 60,441 89
200,000 00
pita! 2,401 IS
Total liabilities, including OSpiU] and surplus 12 51
IV. INCOME DUUINU THE YEAB.
l Ire.
Premiuo eaah, 73,838 86 12,
ment
a premiums LI, 226 52 6,812 •"•!
62,606 B4 6,896 U
Bills end □ Luring the year, f<>r premi i 00
ins and dividends on stocks and bonds 1,970 6J
ill other sources, 9,940 4. v >
Actual ca.sh iucouie $84,114 10
V. EXPENDITURES DURING THE YE.Vl:.
Marin.-.
including
L2 20 1,194 69
17 147 43
55,791 70 8,7 1 1 58,84 1 !■<;
iivii lends 'j, 1 .
11,191 75
Salaries, fees, a: office and agenoj • 12,245 7:
116 1 .".
Actual cash expenditures.... |
VI. MISCELL
■
run • Ie\f1
13"
98 AMITY INSURANCE COMPANY.
Having more than one and not more than three
years to run from date of policy, 436.888 75 5,852 97
Having more than three years to run from date of
of policy 469,392 25 6,771 01
5,151,713 61 71,244 45
Marine. Premiums.
31,048 00 ' 486 25
Premiums received since the organization of the Company, 2,906,469 52
Losses paid since the organization of the Company, 2,249,878 33
Cash dividends paid stockholders, 323,000 00
Stock owned by directors at date, 52,933 33
Stock dividends declared, 50,000 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 233,542 50
Premiums recsived on same, 3,200 34
Losses paid, 6,155 29
AMITY INSURANCE COMPANY,
New Yokk City.
Commenced Business, June 19th. 1873.
Edward Meeritt, President. Nathan Harper, Secretary.
Attorney in Connecticut, Geo. W. Morse, West Meriden.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 4,500 00
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 8,000 00
Interest accrued on bond and mortgage loans 18 66
Value of the land mortgaged, $4,500
Buildings (insured for $12,000), 12.000
$16,500
AMI I V IN8URAM MP INI 99
mpany.
k. t Value
s : —
..
reg
10,000 00
10,700 00
..I 00
ooupon 6'a, 1 B
lu.u •
40,0 10 ""
I-. U)0 00
;
77,215
.1
5,000 00
5,50
i>r\
2,0!
2,000 00
J
|167,000 00
$179,950 00
179,950 00
/. ral.
1' r Value. Market V r ihio. Anil. Loaned.
G,5 i • mi 8,695 ') » 6, 170 00
Pr . i i ;• oertifi i I I - > ' 08 450 I
1 |7,500 00 $7,495 00 $6,920 00 120 00
w\ tmpany'a principal office, 265 26
4,289 64
•■ued on atocka 1,010 26
» premiums in d of collection, 8.<>:
Bills reoeirable 600 00
All other property belonging tj the Couip my 8,823 83
seta of the Company at their actual value, $25
III. LIABILITY
Loaaeo adjnatedatnfl unpaid, 1,008 19
m reported and unadjusted, 700 00
1,800 00
I unpaid losaea
Unean on fin riaka, one year ot less.... $28,110 60
Unearned premiums on riaka more than one year,.... 1,68£
dnntaonin ptioo riaki 1,107
Am urned preminma aa computed aiiov.-
All other demai. ;ii:; 25
;1 liabilities except a k 80,27
Cai 2
• A Uabilitiea including <■ ipital
IV. DURING! l li
Dedn A
and r
74,7
100
AMITY INSURANCE COMPANY.
Bills and notes for premiums remaining unpaid, ..$600 00
From intei'est on bonds and mortgages, 784 60
From interest on loans and dividends on stocks and bonds, 10,909 81
Bents,. 1G3 45
Actual cash income,
$86,590 07
V. EXPENDITURES DURING THE YEAR.
Fire. Inland.
Amount paid for losses, (including $1.-
276.00 occurring in previous years 45,873 21
Deduct salvages, ... 131 75
Net amount paid for losses, 45,241 46
Casb dividends,
Commissions or brokerage,
Paid for salaries
Taxes,
All other payments and expenses,
2,596 70
2,596 70
Actual cash expenditures, ,
47.838 16
8,000 00
14,897 64
9,750 00
97 6o
12,757 81
$93,341 26
VI. MISCELLANEOUS.
Risks in force having not more than one year to
run from date of policy, .
Having more than one and not more than three
years to run from date of policy,
5,300,199 00
179,029 00
Having more than three years to run from date of
policy, i
« 31,770 00
$5,510,998 00
Inland.
56,500 00
Premiums received since the organization of the Company,
Losses paid since the organization of the Company,
Cash dividends paid stockholders,
Stock owned by directors at date,
Premiums.
46,221 20
1.692 57
375 68
48,289 40
Premiums.
2,214 00
302,107 95
108,734 57
55,000 00
85,400 00
Business in Connecticut in 1877.
Fire risks taken (no inland,)..
Premiums received on same,
Losses paid,
121,210 00
1,537 76
48 07
CAPITAL CITY INSURANCE COMPANY. 1 • > 1
WMT.W Cm [NSURANCE COMPANY,
NY. N. Y.
Oommenoed Bosin
I'.. Wi NM i.i. C r,!,uy.
■ . Kali b Ozlubi r, Hartford
I. CAPITAL.
ltd actually paid up in oaah $160,000 00
II. ASSETS.
my,
. : ae.
| | - * : —
Q. B. • B, B81, registered
: 54,50 59,132 60
Total $140,600 00 | I 168,517 60
Loan*
Par Value. Market Value. Amt. Loaned.
Commercial Bank, Albany... 2,700 00 5,940 Q0 5,000 00
A Farm. " 2,500 00 6, 8,500 00
• :1 $! - |12,190 I 00
m Company's principal office
in bank 8,067 20
Inter-- - on collate)
on,
\ — -t> <-f th.- Company at their a--- §178,641 17
III. LIABILITY
Losses adjusted and unpaid. 1
Losses reported and unadjusted ...
Losses resisted,...
amount of unpaid losses.
<»n fire risks, one year or lass,...
rned premiums
l
102
CAPITAL CITY 1NSUKANCK COMPANY.
Due and accrued for salaries, rent, &c.,..
All other demands against tli9 Company,
Total liabilities except capital stock,
Capital stock,
Total liabilities, including capital,
Impairment,
200 00
757
00
28,235
00
150,000
00
$178,285
00
4,693
83
IV. INCOME DURING THE YEAR.
Premiums received in cash, , 54,134 78
Deduct re-insurance, rebate, abatements and return
premiums, 8,037 09
Actual cash premiums, .
From all other sources,
Actual cash income,.
46,097 69
9,118 74
$55,216 43
V. EXPENDITURES DURING* THE YEAR.
Amount paid for losses (including $407.58 occur-
ring in previous yeai-s), 28,453 90
Deduct re-insurance 3,353 54
Net amount paid for losses.
Cash dividends,
Commissions or brokerage
Salaries and fees,
Taxes,
All other pa yments and expenses,
Actual cash expenditures,...
25,100 36
7,500 00
8,937 09
4,125 00
467 27
4,240 91
150,370 63
VI. MISCELLANEOUS.
Risks in force having not more than one year
to run from date of policy, 2,869,227 00
Having more than one and not more than three
years to run from date of policy. 335,387 00
Having more than three years to run from date
of policy, 23,750 00
3,228,364 00
Premiums received since the organization of the Company
Losses paid since the Company organized,
Cash dividends paid stockholders,
Stock owned by directors at date,
Loaned to officers and directors,
Premiums.
40,475 00
3,434 29
302 00
44,211 29
533,254 63
402,539 24
156,500 00
68,100 00
8,500 00
cmzi N'S in IMFAN1
I
Fire i inland),... 101, f
"71
CITIZENS' ENSTJRANCE COMPANY,
; i Y.
omeneed Business, April,
If. M« Lbak, President, Enwasn A. Walton, Secretary.
. \v. ]'.. \',\- i .:. Bartford,
I. CAPITAL.
Capital actually paid up in cash, | I 00
U. ASSETS.
owned bj unencumbered 94,817 4»;
Loans on bond and mortgage (iii - ore than one
. 182,750 U
• liens more than one ye
interest due, (of which | closure), IO,iS
Inter' ;;<1 mortg :;. I
: 38.000 ,l( '
Bui'. - 149.000 00
Sto
Vain--. U
-
160,125 00
■■
•• I
1 1.:
.
LaJ
104
CiTJZKNS INSURANCE COMPANY.
Bank Stocks : —
National Citizens,
Harlem.
Miscellaneous : —
Union Trust Co.,..
Par Value.
24,500 00
2,500 00
10,000 00
Market Value.
24,500 00
025 00
12,000 00
Total,
,$453,200 00 $405,310 00 405,310 00
Manhattau Life Ins. Co.
National Citizens Bank,
Nat. Butchers & Drovers Bk,
Lake Shore &M. So. R. R., .
Western Union Telegraph.. .
Bank of the Metropolis,
N.Y. C. & Hudson Riv. R.R.
Metropolitan Gas Light Co.,
Union Trust Co.,
U. S. 5-20's, 18fi5
" G's, 1881,
Missouri G's,
Third Avenue R. R,, .
N. Y. & Harlem R. R.
Loans on
Par Value.
500 00
1,000 00
1,000 00
1,250 00
1,550 00
20,00!) 00
5,000 00
70,000 0!)
4,000 00
30,000 00
10,000 00
15,000 00
6,000 00
1,000 00
10,000 00'
4,000 00
1,000 00
40,000 00
Collateral.
Market Value.
2.50!) 00
5,000 00
5,000 00
1,250 00
1,550 00 )_
21,800 00*
3,100 00\
51,000 00>
4,000 00
31,800 00n
13,000 00 -
18.000 00 )
7.200 00
1,055 00
10,050 00
4,200 00
1,000 00
48,000 00
Amt. Loaned.
1,000 00
1,500 00
1,500 00
1,000 00
20,000 00
45,000 00
3,000 00
31,000 00
5,850 00
1,000 00
5,500 00
3,500 00
800 00
40,000 00
Total,
Cash deposited in banks, .
Interest due and accrued on stocks,
Interest due and accrued on collateral loans,
Gross premiums in due course of collection.
Rents due and accrued
221,300 00 $233,705 00 $101,250 00
Asset* of the Company at their istaal value,
101,250 00
25,995 65
735 00
823 17
12,082 00
737 50
903,550 9L
III. LIABILITIES.
\ T e L < amount of unpaid losses,
Unearned premiums on fire risks, one year or less,..
Unearned premiums on risks more than one year,...
99,711 IS
26.397 4S
Amount of unearned premiums as computed above, $126,
108.60, less pr. rata of re-ins. paid and in force, $3,041.40,..'.
Cash dividends to stockholders remaining unpaid,
Due and accrued for salaries, rent, &c,
All other demands against the Company,
Total liabilities except capital stock,.
Capital stock,
Surplus beyond capital,
10.620 00
122,467 26
300 80
1.594 30
1,610 81
136,623 17
300,000 00
471.027 74
Total liabilities incluliug capital and surplus, $908,550 91
CITIZENS IN8URA* 'Mi'ANY. 105
h surplus whioh constitutes • permanent r.s.rvo
fn:; . rip, whiob l>y the term of Ita l^sm- ean-
dniafa mid i
iv. INCOME DUBING THE vf.ak.
Preminma received in eaah, 286, 167 76
iii itementa and retain
2S,459 ig
Aetna] oaahpreminnia 218,008 <*,o
From interest on bonda and mortgagee 18,596 '.»<>
From internal on loena and dividends <>n atoeka and bonds, 88,080 •';•-'
lYom all other aonroea 4,87<> 14
Actu.il e.ish inoome $864,511 96
V. EXPENDITURES DURING THE TEAR.
Auiouut paid for loaaea, (including $15,424.89 occur-
ring in previona years.) 87,159 74
Dedw raranoe, 1,887 51
amount paid for loaaea, 85,822 28
Cashdivi: 70,868 70
ris or brokeraga 19,490 :'.-'
54,011 11
8,859 75
All other < nd expenses, 18,11
Aetna! cash expenditures $L'.-> 1,484 14
VI. MISCELLANEOUS.
Premiums.
in force having not D one year to
run from date of policy I G8 199,429 86
ire thau one and not more than three
2,708,912
U) run from date of
policy 2,142 ::i 4:5
$48,808,422 7 7 248,
Premiums received since d of thfl Company
Losses p. i •• organization of the Comnanv 2,1
1,29
Loan
Loaned to stockhohh
II
taken, (no inlni
Pren. 4,'.
paid
14
106
COLUMBIA FIRE INSURANCE COMPANY.
COLUMBIA FIRE INSURANCE COMPANY,
New York^City.
Commenced Business, March, 1853.
Geo. W. Savage, President. John B. Arthur, Secretary.
Attorney in Connecticut, W. H. Townsend, Hartford.
I. CAPITAL.
Capital actually paid up in cash, $300,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens,) not more than one
year's interest due.
Interest accrued on bond and mortgage loans,
Value of the lands mortgaged, 35,000 00
Buildings, (insured for $35,000,) 40,000 00
$75,000 00
27,350 00
361 96
Stocks and Bonds owned by the Company.
Par Value. Market Value.
TJ. S. and State Stocks : —
U. S. bonds 5-20's, 1865, 6's, 15,000 00 15,683 59
14 " ' 1867, 6's, 30,000 00 31,650 00
•' bonds, 1881, 6's, 20,000 00 21,300 00
" " currency, 6's, 18,000 00 21,420 00
" " 1881, 5's 10.000 00 10,525 00
" 10-40's, 5 per cent 55,000 00 58,850 00
" 4^'s, 1891 32,000 00 33,120 00
District Columbia, 3-65's, 44,000 00 33,440 00
Tennessee, 6 per cent, 20,000 00 6 ; 800 00
Municipal Bonds : —
Brooklyn Park impt. 6's, 13,000 00 13,650 00
N. Y. Floating debt, 6's, 500 00 525 00
Brooklyn Water, 6's, 10,000 00 10,500 00
N. Y. County Court House, 6's.... 3,000 00 3,150 00
N. Y. Assessment Fund, 6's, 1,000 00 1,050 00
Queens County, Bounty F and, 6's 1,000 00 1,050 00
Total $272,500 00 $262,713 59
262,713 59
OOLtTXBIA PIKB IN8URAN0E oimpanv L07
ral.
\ ilue. Mnrket Value. Amt. Lq
2,260 • ,
, :. .. [ f 000 ' 00
1,595 00)
Alham 00 1,050 <"> 400 00
1 g, 10,600 00 8,000 00
Manfa I 00 4,1 , 00
i.tl " M ... 2,600 00 I
Dk 16 800 00 I'J.ooi l0(X)0 0Q
1,250 OOJ
1st intg. Union P. K. B 1,000 00 1,050 00 250 00
b 10 10,70 I 00 10,000 00
.] $50,200 00 $47,67 1 $85,650 00 150 00
in Company's principal offloe 930 15
in bank, 1,66
..lateral loans, 41] 50
in due ounree of collection 7,197 00
Bills receivable 30 00
Alio: rty belonging to the Company 1,500 00
Assets of thfl Company at their actual value, $887,898 32
III. LIABILITU
> reported and unadjusted, 10,967 7.">
2,600 00
amount of unpaid losses, 13,4G7 75
Uneari una on fire risks, one year or .leas 86,810 47
:ued premiums on risks mure than one year 8,681 '.'I
Amount of unearned premiums as computed above, 92 41
Due and accrued for rent :,1 1 <;»;
Total liubiliti 0] B2
Caj 800,000 00
iclndingct] 854,1
10,1^
IV. INCOME DUBING THE TEAR
Premiurus received in cash, 91
Deduct re-insurance, rebate, I I and re(
18,859 7';
"18 16
From
Actual cath income,...
108 COLUMBIA FIRE INSURANCE COMPANY.
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $3,409.10 occurring in previ-
ous years), 38,541 73
Cash dividends, 15,000 00
Commissions or brokerage, 10,639 38
Paid or allowed for salaries and fees, 17,058 00
Paid for taxes, 2,301 11
All other payments and expenses, 9,883 40
Actual cash expenditures, $93,483 62
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 9,058,510 00 72,620 94
Having more than one and not more than three
years to run from date of policy, 335,248 00 3,395 62
Having more than three years to run from date of
policy, 148,100 00 1,706 06
9,541,858 00 77,722 62
Premiums received since the organization of the Company, 2,981,889 00
Losses paid since the organization of the Company, 1,800,473 00
Cash dividends paid stockholders, 455,000 00
Stock owned by directors at date, 140,790 00
Loaned to directors, 22,000 00
Loaned to stockholders not officers, 3,400 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 299,713 25
Premiums received on same, 3,626 03
Losses paid, 3,266 36
COMMERCE mil INSURANCE COMPANY, 109
COMMERCE FIRE INSURANCE COMPANY,
Ni:w You City.
BMBOed Business, April 1Mb. 1859.
Duncan McUougall, PrtlidetU. Wm. E. Hoxie, Secretary,
rney in Connecticut, Geo. N. Morse, West Meriden.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens), not more than one
r's interest due 30,000 00
Interest accrued on bond and mortgage loans, 180 00
IS of the land mortgaged, $60,000 00
Buildings, (insured for $20,000) 66,000 00
$125,000 00
Stocks and Bonds owned by the Company.
Par Value. Market Valne.
U. S. Stocks : —
U. S. G's reg. 1881, 100,000 00 100,750 00
11 4> Currency, 68,000 00 82,620 00
M 5-20*8,1865, 11,00000 11,816 25
Total §179,000 00 8200,680 25 200,08'; 26
Cash deposited in banks 1,010 08
Gross premiums in due course of collection, 2,608 16
Asset* of the Company at their actual value $240,379 44
III. LIABILITIES.
Losses adjusted and unpaid 2,975 00
Losses reported and in process of adjustment, 1
• amount of unpaid loMSC, 4,500 00
Unearned premiums on fir r» year or less, tjl8,896 75
Unearned premiums on risks more than one year, 2,871 06
Unearned premiums on inland navigation rilkl > 00
Amount of unearTi' DM M computed 21.:
Due and to become duo for borrowed money, 11,'
110
COMMERCE FIRE INSURANCE COMPANY.
Due and accrued for rent,
All otber demands against the Company,
Total liabilities, except capital stock,
Capital stock,
Surplus beyond capital,
600 00
453 36
38,371
200,000
2.008
17
no
27
Total liabilities, including capital and surplus, $240,379 44
IV. INCOME DURING THE YEAR.
Fire. Inland.
Premiums received in cash, $46,810 64 $200 00
Deduct re-insurance, rebate, abate-
ments and return premiums, 3,298 02 70 00
Actual cash premiums, $43,512 62 $130 00
From interest on bonds and mortgages,
From interest on loans and dividends on stocks and bonds,
Actual cash income,.
43.642 62
2,430 00
10,316 25
$56,388 87
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $1,150.00 occurring in previ-
ous years,
Cash dividends,
Commissions or brokerage,
Salaries and fees,
Taxes,
All other payments and expenses,
Actual cash expenditures,
VI. MISCELLANEOUS,
Risks in force having not more than one year to
run from date of policy, 5,249,806 00
Having more than one and not more than three
years to run from date of policy, 227,357 00
Having more than three years to run from date of
policy, 72,325 00
5,549,488 00
Inland.
5,000 00
Premiums received since the organization of the Company,
Losses paid since the organization of the Company, i
Cash dividends paid stockholders,
Stock owned by directors at date,
Business in Connecticut in 1877.
Fire risks taken (no inland,)
Premiums received on same,
Losses paid,
19,362
30
10,000
00
3,935
85
13.850 38
1,618
87
11,392
05
$60,159 45
Premiums.
37,793
49
2,722
75
1,315
93
41,832
17
Premiums.
100
00
959,879
00
560,785
00
294,000 00
62,200 00
66,431
32
683
98
51
49
COMM - 111
COMMERCE [NSURANCE COMPANY,
w. N. Y.
. .1 one 1st, I
Adam Van i> VaBIOX DbWiTT,
'••'/,'. B. II. Alt, in. Hartford.
I. CAPITAL.
Capital actually pail up in cash §200,000 00
II. ASSETS.
Real estate owned by the Company unencumbered 40,000 00
owned by I
.Market Value.
Stocks: —
Dnil I currency bonds '1 239,000 00
ionaL Albany, N. Y 2 00
ay, N.V. I on 10,000 00
. Commercial. Albany, N. V... 15, 87,fiOfl 00
Uni 1. All-. my, N\ Y fl 00
N. V I 00 1.:;:.
Totd
/. il.
ned.
.
B . • > on
1,64
:
11,8
Cash
Interest dne an ■:
Rents due and
:.., Company at their
112 COMMERCE INSURANCE COMPANY.
III. LIABILITIES.
Net amount of unpaid losses, 6,950 00
Unearned premiums on fire lisks, one year or less, 37,553 46
Unearned premiums on risks more than one year, 10,220 71
Amount of unearned premiums as computed above.
All other demands against the Company,
Total liabilities, except capital stock, .
Capital stock,
Surplus beyond capital,
47,774
76
17
76
54,800 93
200,000 00
152,496 74
Total liabilities, including capital and surplus, $407,297 67
IV. INCOME DURING THE YEAR.
Premiums received in cash, 94,692 18
Deduct re-insurance, rebate, abatements and return
premiums, 9,470 88
Actual cash premiums, 85,221 30
From interest on loans and dividends on stocks and bonds, 18,881 24
From all other sources, 2,816 88
Actual cash income, $106,919 42
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $4,108.16 occur-
ring in previous years), 35,401 68
Deduct re-insurance 1,456 36
Net amount paid for losses, 33,945 32
Cash dividends, 32.000 00
Paid for commissions and brokerage, 12,209 97
Paid or allowed for salaries, fees, &c, 11,619 00
Paid for taxes 3,297 16
All other payments and expenses, 7,739 36
Actual cash expenditures, $100,810 81
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 8,746,860 00 81,872 76
Having more than one and not more than three
years to run from date of policy 936,739 00 10,799 83
Having more than three years to run from date of
policy, 255,095 00 3,113 95
9,939,594 00 95,786 44
Premiums received since the organization of the Company, 2,895,898 00
Losses paid since the organization of the Company, 2,050,043 00
Cash dividends paid stockholders, 442,000 00
>]|XCRCIAL FIRE IN8U RANGE COMPANY. 118
.'<* ,; 7. S
d to offloara and dir 00 00
I. ted to atookholdem not otti 6,900 00
■'i,-i;f in 1977.
•.. (no inland) 801,712 00
Ptwninms reoeii a« 4,601 71
Losses paid, l.<>7<'- 84
COMMERCIAL FIRE ENSURANOE COMPANY,
N..\v York City.
Commenced Bnaineaa, May 15th, I860.
ML V. B. Fowls*, President. David Quackinbush, Secretary.
Attorney in Connecticut, V. F. McNiel, Cornwall Bridge.
L CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Loans on bond and mortgage-. (Aral Inns) not more than one
year's interest due 73,450 <"»
Interest dne and accrued on bond mortgage loans,
Value of the land mortgaged, $80,500 <>•>
Idings, (in- 119,600 <>0
$ 200, 00
,'V.h and H ''• < iin»iinj.
Par Value. Market Value.
Stocks: —
bonds, curren .... 177. 114,170 00
gol L 1881
o 00
8 1 , 400 00
\ j. 16,101
1"
114
COMMERCIAL FIRE INSURANCE COMPANY.
Municipal Bonds : —
Brooklyn Corporation
Long Island City Water,
Flushing City Water,
N. Y. Corporation Assessment.
Elizabeth City Water,
Par Value.
33,000 00
10,000 00
12,000 00
1,000 00
20,000 00
Market Value.
37,950 00
10,000 00
12,240 00
1,090 00
19,808 00
Total, $311,600 00 $357,066 25 357,066 25
Loans on Collateral.
Par Value. Market Value. Arut. Loaned.
IrvingBank, 1,000 00 1,250 00 1,000 00
Tradesmens' Fire Ins. Co., 500 00 900 00 500 00
Total, $1,500 00 $2,150 00 $1,500 00
Cash deposited in bank, ,
Interest due and accrued on stocks,
Interest due and accrued on collateral loans,
Gross premiums in due course of collection.
1,500 00
21,513 34
1,649 99
8 75
70,244 90
Assets of the Company at their actual value, $525,135 85
III. LIABILITIES.
Losses adjusted and unpaid, $11,;"03 35
Losses reported and unadjusted, 8,020 00
Losses resisted, 400 00
Net amount of unpaid losses,
Unearned premiums on fire risks, one year or less.... b 9 1,9 15 86
Unearned premiums on risks more than one year, 26,978 74
Amount of unearned premiums as computed above,
Cash dividends to stockholders remaining unpaid
Due for salaries, &c ,
All other demands against the Company,.. —
Total liabilities except capital stock,
Capital stock,
Surplus beyond capital,
Total liabilities including capital and surplus.
19,923 35
118,894 60
350 00
775 00
10,588 81
150,531 76
200,000 00
174,604 09
1525,135 85
IV. INCOME DUKING THE YEAK.
Premiums received in cash, 338,341 64
Deduct re-insurance, rebate, abatements and return
premiums, 37,900 39
Actual cash premiums,
From interest on bonds and mortgages,
From interest on loans and dividends on stocks and bonds,
Discount on losses,
Actual cash income.
300,441 25
5,486 92
19,029 08
633 31
$325,590 56
COMMERCIAL F1KK INSURANCE COMPANY, 1 1 6
v. EXPEND! CUBES DUBING THE , > BAB.
Amount paid for lossea, (including (11,985.64 occur-
ring in previous years) 208,849 Bl
ind re-insuranos 27,929 52
\ • amount paid for losses 176,420 29
dividends B60 00
Ootnmissionfl or brokerage 61,502 IB
Salaries and feec 20,906 66
All other payments and expenses 20,116 16
Aotaaloaafa expenditures $628,550 42
VI MISCELLANEOUS.
Premitun.a
Risks in force Dating not more than one your to
ran from date of policy $62,908,2^4 00 195,417 88
Having more than one and not more than three
n t<> ran from date of policy 8,806,165 00 88,501 58
Having more than three years to run from date
of policy 587.816 on G,31<; 59
:;»;.7!<:.7i^ im) 285,385 50
Premium- the organization of the Company, 8,268,126 04
I. ] dd since the organization of the Company, l,70<>,f>44 G4
Cash dividends paid stockholders 740,000 00
Stock owned bj directors at date 101,300 00
Loaned to stockholders not officers 4,500 00
Btuineu in Connecticut in 1877.
Fire risks taken (no inland. ) 248,876 00
Premiums received on same 8,605 20
Losses paid, 6 266 Q8
116 COMMONWEALTH INSURANCE COMPANY.
COMMONWEALTH INSURANCE COMPANY,
Boston, Mass.
Coraraenced Business, May, 1875.
John Hitchcock, Presidents Samuel Appleton, Secretary.
Attorney in Connecticut, B. R. Allen, Hartford.
I. CAPITAL.
Capital actually paid up in cash $500,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 173,000 00
Interest due and accrued on bond and mortgage loans, 1,372 25
Value of the land mortgaged, $410,000 00
Buildings (insured for $101,200), 246,100 00
$656,100 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks: —
U. S. 4 per c. gold bonds, 100,000 00 102,875 00
Municipal Bonds : —
City of Boston 0"s, currency, 1880, 5,000 00 5,250 00
" Cleveland 7's, " 1870, 10,000 00 10,175 00
Railroad Bonds : —
Cape Cod 7's, 1881, 30,000 00 31,500 00
Vermont & Mass. 6's, 1883, con.. 12,100 00 13,189 00
" 7's, 1879, " 2,000 00 2,200 00
Fitchburg 6's, 1897, 25,000 00 26,125 00
Railroad Stocks : —
Vermont & Mass., 4,700 00 5,170 00
Bank Stocks : —
Manufacturers National, 13,000 00 12,886 25
Kevere " 10,600 00 11,527 50
Third " 7 ? 000 00 7,122 50
Atlas " 10,800 00 12,312 00
Webster " 16,300 00 16,544 50
Traders " 5,400 00 5,454 00
Merchandise " 20,000 00 20,050 00
I
SURANCK COMPANY,
Jl
Mt Vernon National,
Hamilton
.tineutal
ard
erican ••
00
Atlantic 1,000 00 I 0<»
rth '•
Shawnmt
.'imbian
Massachusetts 1,250 00
;blic 4,100
Eliot •
1.1' 1,19 I
England 00 r, 00
be •• 00
» 00 ■• 00
Hide and Leather " ■■ 00
7
Shoe and Leather "
Total - - r,76i 13 3:.7,734 13
Loan* on Collateral.
Par Value. Market Valne. Amt. Loaned,
iesex R. B
Atlantic Cotton Mills
Appletont'-. _ I
Fitchburg K. B
Taunton Gas Light I
So. Boston "
Dorc:
Taonton Cot. Machin-
Chicago 7 per c. bond*
So. Boston Gas Light Co .
Mechanics Nat. Bank...
Manufacturers Nat. Bank.
Howard Nat. Bank,
handise Nat. Bank.
•■
••
I
.
00
118 COMMONWEALTH INSURANCE COMPANY.
Cash in Company's principal office, 5,413 64
Cash deposited in Bank, 18,269 17
Interest due and accrued on stocks and on deposit in bank, 2,950 98
Interest due and accrued on collateral loans, 855 02
Gross prems. in due course of collection, and bal, in hands agts., 28,200 38
Assets of the Company at their actual value, $646,990 57
III. LIABILITIES.
Losses adjusted and unpaid, 2,643 17
Losses reported and unadjusted, 4,875 00
Net amount of unpaid losses, 7,518 17
Unearned premiums on fire risks, one year or less,... 70,257 72
Unearned premiums on risks more than one year,.... 35,263 21
Unearned premiums as computed above, 105,520 93
All other demands against the Company, 3,057 88
Total liabilities except capital stock, 116,096 98
Capital stock, 500,000 00
Surplus beyond capital, 30,893 59
Total liabilities including capital and surplus, $646,990 57
IV. INCOME DURING THE YEAK.
Premiums received in cash, 174,843 91
Deduct re- insurance, rebate, abatements and return
premiums, 18,656 73
Actual cash premiums, 156,187 18
From interest on bonds and mortgages, 9,272 50
From interest on loans and dividends on stocks and bonds, 10,547 10
Actual cash income $176,006 78
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $2,804.03 occur-
ring in previous years), 83,108 43
Deduct re-insurance, 134 36
Net amount paid for losses, 82,974 07
Cash dividends, 30,000 00
Commissions or brokerage, 25,114 23
Salaries and fees, 16..588 33
Taxes, 5,587 37
Rents, 4,000 00
All other payments and expenses, 14,462 85
Actual cash expenditures, $178,726 85
HMONWIALTB INSURANCE COMPANY. L 19
VI. MIS II. | Wl.i.i
I'r. niiuma.
in force having not mora than one year
ran from date of policy 18,182,849 uo 140,615 44
g more khan one and not more than tliree
jeara to ran from date of polio j 2,217,271 00 26,801 «'>'.•
• g more man tl to ran fr.mi date of
policy 2,817, 29.246 12
117,716,879 00 196,1
organisation of the Company 442,967 ."1
Losses paid since the organisation of the Company, 186, MM5 18
80,000 00
: owned by directors at date 79,900 <•<»
Loaned to officers end directors 24,100 00
Loaned to stockholders not officers 9,271
'n Connecticut in 1877.
Fire risks taken (no inland) 140,088 00
Premiums received. 1,697 <;i
Losses paid >v " ~ n
120 .CONTINENTAL INSURANCE COMPANY.
CONTINENTAL INSURANCE COMPANY,
New Yoke City.
Commenced Business, Jan. 1853.
George T. Hope, President. Cyrus Peck, Secretary.
Attorney in Connecticut, Judah Frisbie, New Haven.
I. CAPITAL.
Capital actually paid up in cash, $1,000,000 00
II. ASSETS.
Real Estate owned by the Company unencumbered, 699,800 00
Loans on bond and mortgage, (first liens,) not more than one
year's interest due, 638,000 00
Interest due and accrued on bond and mortgage loans, 19,089 48
Value of the land mortgaged, 863,725
Buildings, (insured for $589.725,) ... 1,147,000
$2,010,725
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
U. S. bonds, reg. 5-20's, 1865, 6's, 100,000 00 102,750 00
** " currency, 6's, 450,000 00 540,000 00
" " reg. 10-40's, 5's 50,000 00 53,312 50
" " 4^'s, 1891, coupon,.. 50,000 00 51,750 00
Tennessee 6's, Funding bonds,.... 6,000 00 2,070 00
Tennessee 6's, old bonds, 20,000 00 6,900 00
South Carolina 6's, consolidated,. 11,500 00 6,900 00
Alabama new bonds, class A, 10,000 00 4,200 00
Railroad Bonds : —
New York & Harlem, 50,000 00 72,500 00
Bank Stocks : —
American Exchange National 25,000 00 26,250 00
Bank of America, 6,900 00 9,660 00
Bowery National, 3,700 00 5,550 00
Dry Goods, (in liquidation,) 700 00 175 00
Mechanics' National, 30,000 00 40,500 00
Merchants' National, 25,000 00 29,250 00
Mercantile National, 25,000 00 25,000 00
: l N I- n 1 \ l . INSl'KANCK COMPANY. 121
Par \;illlf. MitrLrl Y-ilur.
>n»J 20,000 «'• 27,011
00
i MX o mi 1 1."
J I • 18,125 on
Hn - : —
21,600 00
I 00 ' »
N. S 1,200 00
r..tal I 1,072,692 50
\lati ral.
M urkel V:\lm-. Amt. Loaned.
Hanov. J Bank 1,600 00 1,600 00 600 00
.plittui, M 8,700 00 4,995 00
oo I
mi 1,675 00 10,000 00
Falton li.iiik. Brooklyn 1,0 I I 1,1
00J
00 61,600 00 50,000 00
nk, 8,< I 00 3,700 00 2,400 00
00 4,500 00 4,000 00
Wi - 3o 10,000 00
. coup... - »,678 75)
N. V. «'.•!. A II. B. R. B.,. 5,( 00 00 5,300 00
150,000 00 I59.00C 00 125.000 00
SlFerry B It. Co... B,« 00 11,125 00
10 00 25,000 00 18,000 00
1,000 00 8,/
2 250 00 4,050 00 2,000 0Q
ok . 160 00 '-' 260 00
J Hank. 15, 00 00 1 1,25 10,000 00
ik, Brooklyn.
I do
,0 ") <") 1,027 S »
160 00
I.:
Cash depo- ink 17'.'.'
Interest due an
147,1
All o 12,5
held
Guaranty Surp.
Assets <-f ..-ir actual valm-. - .:.
122 ' CONTINENTAL INSURANCE COMPANY.
III. LIABILITIES.
Losses adjusted and unpaid, $55,276 18
Losses reported and unadjusted, 65,468 96
Losses resisted, 19,141 92
Total, 139,887 06
Deduct re-insurance, 1,515 07
Net amount of unpaid losses, 138,371 99
Unearned premiums on fire risks, one year or less, 458,700 54
Unearned premiums on risks more than one year, 524,368 67
Amount of unearned premiums as computed above, 983,069 21
Principal on unpaid scrip 'or certificates of profits. 23,051 00
Interest due and declared remaining unpaid, 12,354 18
Cash dividends to stockholders remaining unpaid, 585 90
All other demands against the Company, 20,000 00
Total liabilities, except capital stock, , 1,177,432 28
Capital stock, 1,000,000 00
Surplus beyond capital, 996,501 03
Total liabilities, including capital and surplus, $3,173,933 31
IV. INCOME DURING THE YEAR.
Premiums received in cash 1,670,391 96
Deduct re-surance, rebate, abatements and return
premiums, 201.816 01
Actual cash premiums, 1,465,578 95
From interest on bonds and mortgages,.-. 43,212 74
From interest on loans and dividends on stocks and bonds, 77,138 41
From all other sources, 38,179 06
Actual cash income, 1,624,109 16
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $156,466.25 occur-
ring in previous years), $709,526 66
Deduct salvage and re-insurance, 14,113 58
Net amount paid for losses, ■. 695.413 08
Cash dividends, 125,419 55
Scrip or certificates of profits redeemed in cash, 1,023 82
Commissions or brokerage, 244,160 59
Salaries and fees, 184,649 79
Taxes, 34,12* 77
All other payments and expenses, , 128,321 30
Actual cash expenditures $1,413,116 90
. . im.n PAL LN8URAN08 COMPANY. 128
vi. m
i ible to policyholder! I 68 00
10,1 18 00
dividend* I9,2i
amiume on whioh said scrip dividenda were declared,.. 82, 064 ;t.s
ish, partiripating premiums received during the year 564 i<»
Limit of scrip sccnmnlation 1,000,1 00
Preminmi
, tot more than one year to
ran from date of policy 157,010,920 00 917,401 08
re then one end aol more than three
jeers to ran from date of policy 54,806,640 00 600,890 09
in three years to run from date of
27,641,700 00 41
238,959,160 00 1»844,159 75
ization of the Company 17,611,554 71
id since th< tion of the Company 9,442,608 !'<i
Cash di vi 2,880,497 86
at date 278,600 00
Loaned to officers end dirt 10,000 00
Loaned to stockholders not officers, 18,000 00
rineu in Connecticut in 1877.
Fire risk* taken, (no inland), 8,676,078 00
Premiums received on same, ' 88,642 19
Losses .paid, 12,094 17
124 EQUITABLE F1RK INSURANCE COMPANY.
EQUITABLE FIRE INSURANCE COMPANY,
Nashville, Tenn.
Commenced Business, July 1st, 1871.
D. Weaver, President. J. D. Anderson, Secretary.
Attorney in Connecticut. Silas Chapman, Jr., Hartford.
I. CAPITAL.
Capital actually paid up iu cash, $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens), more than one year's
interest due, 519 43
Interest due and accrued on bond and mortgage loans, 114 28
Total value of mortgaged premises 3,500
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States 5's 15,000 00 15,787 50
6's, 1807, 85,000 00 89,462 50
Municipal Bonds: —
Nashville City, Tenn. 6's, 26,300 00 22,235 00
Bedford County, Tennessee, 10's, 10,000 00 10,000 00
Davidison County, Tennessee, 6's, 18,000 00 18.000 00
Hayward County. Tenn. 8's, 22.000 00 22,000 00
Jackson City, Tenn. 10's, 5,120 00 4,608 00
Edgefield City, Tenn. 10's, 8,000 00 8,000 00
Bullock County, Alabama, 8's,.... 250 00 250 00
Railroad Bonds : —
Nash. Chattanooga & St. Louis,... 53,000 00 45.050 00
Duck River Valley, 8's, 500 00 400 00
MlSCELL .NEOUS : —
Tennessee Manufg. Co., 20,000 00 20,000 00
Cumberland Iron Works, 10's, 10,000 00 10,000 00
Total $273,170 00 $265,793 00 265,793 00
Cash in Company's principal office. 2,347 41
Cash deposited in bank, 14,103 23
Interest due and accrued on stocks, 10,795 65
Net premiums in due course of collection, 17,321 39
Assets of the Company at their actual value, $310, 994 39
EQUITABLE FIRE INSURANCE COMPANY.
in. i.i vr.ii.i 1 1.
; unpaid
i mihI unadjusted 1,941 06
11,81
:.il
Deduet re-insm
17,287 1<:
6,17;
amount of unpaid Losses,
rned premiums on fl rless,... 62,698 ,;t ;
[urns on risks more khan one year, ... 9,481 '.'i
Unearm .1 premiums as oompnl
. x ■< |>t capital stock
• .i Bkook
Burplos beyond eapital
L25
li.in ii
71M7.-, 60
39 71
L'7.7'
Including capital and surplus $810,994 89
IV. INCOME DURING THE XEAK.
inmsreoei ih,. 156,682 -41
; ru
premium^ 17,895
Actual cash premiums
From interest on Loans and dividend* on Btooks and bonds,
Actual cash in
r87 02
li.lil :;:»
•152,928 -11
V. EXPENDITURES DUfilNQ THE YKAK.
inolnding $12,190.78 occurring in ]
vio 90,6
Commissions or brokerage L'l'. I
9,92
'.'.!•
All other { $76 16
Actual cash expenditures $1
VI. ICISOELLANEOI
in force haying not do
to run from date "f
Having mor d »t m >re than three
years to run f: 174 00
Having more than three ye
of j.
Premiums re
I
Stock oemed by directors at date,
IBM,
126 EQUITABLE F. AND M. INSURANCE COMPANY.
Business in Connecticut in 1877.
Fire risks taken, (no inland), 331,978 00
Premiums received on same, 6,083 00
Losses paid, , 1,555 06
EQUITABLE FIRE ANB MARINE INSURANCE COMPANY,
Providence, R. I.
Commenced Business, September, 1860.
Fred. W. Arnold, President. James E. Tellinghast, Secretary.
Attorney in Connecticut, C. C. Kimball, Hartford,
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Real estate gowned by the Company unencumbered, 120,000 00
Loans on bond and mortgage (first liens) not more than one
year's interest due, 15,000 00
Value of the lands mortgaged, 8,000 00
Buildings (insured for $8,000.00), 12,000 00
20,000 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States 6's, 1881,. # 20,000 00 22,000 00
Bakk Stocks : —
Old National, Providence, 50,000 00 55,000 00
Nat. Bk. Commerce, Providence, 15,000 00 14,100 00
American National, " 10,000 00 9,400 00
Third " " 3,000 00 2,700 00
Butchers and Drovers, " 5,0C0 00 2,500 00
Manufacturers National, " 10,000 00 13,000 00
EQUITABLE K. and M. INSURANC] COMPANY.
] • • \ ili i
Onion,
Fourth National, " 00
Warn ■•., B. I I0 f ( 00 00
■
20,000 on 21, 100 I
- : —
Am I0,0< o 00
• .1 . 1,100 "it 174.lt (i 00
Iffarket Value. Ami Loaned.
(3,6 10 00 I - 8,71
Cash \"s prinoipal offl te
18,92
coUeotion 18,675 li
All other property b< p&uy, " '-
Assets of the Company at their lotoal value (844,091 13
III. LIAP.IUTII
and anadjnated 7
1,300
ant of anpaid Losses 9,1(1
inm8 on Are risks, one year or k-s 4'_'.77". 05
premiums on risks more than one year 1 7.71". 01
innis on inland navigation risks 210 13
premiums on unexpired marin ... 1,181 75
Amount of mi earned premiums as computed 61,9
Cash divi i tining unpaid
Due and accrued tor
All other d
Total liability >k !fl n
Caj 20 . 00 00
Snri 69,4(1
tal liabilities, inolnding capital and surplnc $844,091 18
iv. (NOOMJ
. . : I :
and
■
128 EQUITABLE F. AND M. INSURANCE COMPANY.
V. EXPENDITURES DURING THE YEAE.
Fire. M. A In.
Amount paid for losses, (including $8,-
5.63 occurring in previous year,) 52,920 64 6,741 07
Deduct salvages and re-insurance, 394 47 368 04
Net amount paid for losses. 52,520 17 6,373 03 58,899 20
Cash dividends, 23,689 80
Commissions or brokerage 19,281 G9
Salaries, fees, and other office and agency expenses, 1(5,216 71
Taxes, 5.143 05
Building expenses, 2,711 72
Actual cash expenditures, §125,892 20
VI. MISCELLANEOUS.
Premiums.
Bisks in force having not more than one year to
run from date of policy 80,825,571 81 85,546 11
Having more than oue and not more than three
years to run from date of policy. 887,981 17 11,020 22
Having more than three years to run from date of
of policy 1.510,906 58 21,583 02
9,224,459 56 118,749 ?,b
M. & In. Premium?.
88,035 55 1,602 00
Premiums received since the organization of the Company. 1,415,916 36
Losses paid since the organization of the Compau}-, 1,091,058 07
Cash dividends paid stockholders, 252,000 00
Stock owned by directors at date, 39.130 00
Loaned to officers and directors, 3,105 00
Business in Connecticut t»1877.
Fire risks taken, (no inland) 211,255 00
Premiums received on same, 3,072 88
Losses paid, 624 52
BANGK FIRE INSURANCE COMPANY, 129
EXCHANGE FIRE [NSURANCE COMPANY,
Oommenoed Business, May. I
KicH.vr.o 0, Oom . Gsoboi W. BIoxtookkby, Beoretary.
I >. Hall, Bleriden.
I. CAPITAL.
;.il actually pai J up iu cash, $200,01(1 00
II. ASSETS.
Loans on bond and mortgage, (first lien-;, not more than one
180*960 00
- on bond and m first Liens] more than one ye
int mid is i:i pro tees of foreclosure), 4,500 00
. te end aooruedon bond and mortgage loans 1,042 ">i»
leof the land mortgaged, $168,000
Building.-, (insured for ft 13 7,050 J 174,000
8to I <<'/>• owned by the Company.
I'ar Valu<\ Market Value.
Stocks : —
UnJ np, '67, .. 100,000 00 106,750 <»'<
reg. 1881,.. no IB 00
I 00 184,
/. ■ mm on Collateral.
I'.ir Valti'-. M . Ami. Loaned.
Rutgers Ki 2,000 00
N. V. B rentable I 1,050 <> ; »
).
Orients
■
B * •
17
i
600 on
9,0C0 00
1,500 00
130 EXCHANGE FIRE INSURANCE COMPANY.
Par Value. Market Value. Arat. Loaned.
Erie R. R. Fourth in tg 3,000 00 3,120 00 2,500 00
Rutgers' Fire Ins. Co., 1,500 00 2,625 00 1,500 00
Knickerbocker Ice Co., 8,500 00 6,375 00)
41 " 8,000 00 7,200 Oof
tttn-a, Fire Ins. Co., 1,500 00 1,500 00 1,250 00
Sterling Fire Ins. Co., 1,000 00 950 00 800 00
Empire Transportation Co... 250 00 250 00 >
Manhattan Fire Ins. Co...... 1,500 00 2,100 00>
American Exchange Bank,.. 500 00 530 00 475 00
Harlem Gas light Go,, 2,950 00 2,950 00 2,000 00
Park Fire Ins. Co 700 00 875 Oo)
Sterling Fire Ins. Co., 500 00 475 f ^O 00
Emporium Insurance Co...... 500 00 500 00 '
Central Trust Co., , 1,000 00 1,000 00 850 00
Stuyvesant Fire Ins. Co 3,500 00 5,600 00 3,500 00
Bull's Head Bank, 400 00 200 00 100 00
St. Louis, Jack. & Chi. R.R. 1,000 00 1,050 00 950 00
N. Y. Equitable Ins. Co,,... 875 00 1,662 50 1,200 00
Total, $55,155 00 $73,372 50 $46,125 00 46,125 00
Cash in Company's principal office, 1,839 71
Cash deposited in bank, 15,759 75
Interest due and accrued on collateral loans, 758 25
Gross premiums in due course of collection, 15,059 13
Rents due and accrued 541 66
Assets of the Company at their actual value, $383,901 00
III. LIABILITIES.
Losses adjusted and unpaid, 7.500 00
Losses reported and uuadjusted, 10,700 00
Losses resisted, 1,500 00
Net amount of tinpaid losses, 19,700 00
Unearned premiums on fire risks, one year or less,... $38,425 80
Unearned premiums on risks more than one year,.... 8,587 01
Unearned premiums on inland navigation risks, 74 50
Amount of unearned premiums as computed above, 47 087 31
Cash dividends to stockholders remaining unpaid, 423 00
Due and accrued for salaries, rent, &c. 1,333 33
All other demands against the Company, 2,569 95
Total liabilities except capital stock, 71,113 59
Capital stock, 200J010 00
Surplus beyond capital, 112,777 41
Total liabilities including capital and surplus, $383,901 00
I [KB INSURANCE COMPANY. 131
l\. INCOME DURING THE TEAR,
Kir.-. Inland.
Premiums reoeWed tnoaah 127,819 65 "-'.'l 76
■ re-insuranoe, ttementa
and return premiumi 11,246 19 89 BO
ail rush pramhuna, 1 16, l 86 116, 1
>n bonds and mortgages, 9,429 47
r interest on loans and dividends and stocks and bonds 18,488 7i
8,260 00
Actual oaah inoome, $14
V. EXPENDITURES DURING THE TEAR.
Amount paid for losses, urn-hiding $2,097.77 occurring in pre-
vi.
80,001 BO
.iis>i.ms or brokerage 16,608 7<»
i tees 80,1*
4,182 61
All other payments and expenses, 9,424 48
Actual cash expenditures, $148,981 11
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year t<>
run from date of policy 18,677,928 00 76,851 61
Having more than one aud not more than three
years to run from date of policy. 1,229,620 00 10,806 66
Ha%*ing more than three years to run from date of
policy .-,.:•'•
$15,446,674 00 98,118 G6
inland. Preminma.
6,200 <»<> l 19 00
Premiums received since the organization of the Company
Losses paid hince the organization of the Conjpuiy 1,888,649 91
Cash dividends paid stoekhi Aden
Stock owned by directors at date, 106,600 oo
Loaned to officers and din 00 00
Loaned to stockholders n
Busintg* I ' in ; -;:.
risks taken (no b l M00 00
Premiums received on same
Loaaes paid,
132 FAME INSURANCE COMPANY,
FAME INSURANCE COMPANY,
Philadelphia, Penn.
Commenced Business, Sept. 1st, 1856.
Chas. Richardson, President. Williams I. Blanchard Secretary.
Attorney in Connecticut, D. B. Gerrett, New Haven.
I. CAPITAL.
Capital actually paid up in cash, $150,000 00
II. ASSETS.
Real estate owned by the Company, unencumbered 10,000 00
Loans on bond and mortgage, (first liens,) not more than one
year's interest due. 126,500 00
Interest due and accrued on bond and mortgage loans 2,926 00
Total value of mortgaged premises, $265,000 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
Bank Stocks : —
Bank of Republic, 25,000 00 25,000 00
Second National. 10,000 00 10,000 00
Chamber of Commerce, 400 00 400 00
Total, $35,400 00 $35,400 00 35,400 00
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Cumberland Nail, 7,000 00 7,000 00 5,000 00
Illinois R. R., 4,000 00 4,000 00 2,000 00
Guarantee Trust Co., 5,000 00 5,000 00 3,500 00
Pennsylvania Canal, a.. 1,000 00 800 00 550 00
2d &3d St. Pass. R. R. Co., 350 00 455 00 250 00
Total, $17,350 00 $17,255 00 $11,300 00 11,300 00
Cash in Company's principal office, 2,996 28
Cash deposited in bank, 3,718 20
Interest due and accrued on stocks and collateral loans, 778 60
Net premiums in due course of collection, 10,544 79
Assets of the Company at their actual value, . . ., $204,163 87
I- ami-: insi ;; INCH OOMP INY.
in. i.iM-.ii.i i m a
mount of unpaid losses
Amount of unearned prerainmw 17,2
•.it rei-laiiiiHi.il> by the insured on perpetual Are policies 609 00
[liabilities, I stock (7,864 0g
Oapii 150,000 00
Surplus beyond capital 6,799 79
J liabilities, inolnding capital and snrploa 204,168 87
iv. income DUBING THE yfak.
Premiums nv. -h 46,08
abateuM nta and return
turns 10,014 88
raal oesh premiums :;''.. <i:l' \r>
From interest on bonds and mortgagee 081 70
n loans and dividends on Btooka and bonds 2,666 15
ived for calls on capital $81,045 18
A tual cashiucome, $46,760 00
V. EXPENDITTJBES DUKING THE TEAR.
mount paid foi 98,3i
kerage, 6 782 71
Paid or allowed for salaries and fees. 00 00
for taxes 1,177 98
All other payments and expenses 11,278 18
Actual cash expenditures, $128,189 <;;;
VI. MISCELLANEOUS.
Preminms.
in force having not more than one year to
ran from date of poliey 4,177,880 00 86,072 15
1,186,226 00 26,222 05
5,811 62,294 20
Premiums recc-iv ization of tie- Company ,805 11
Losses p ion of the Company
Cash dividends : 81 16
Loaned to officers and di. 10,750 00
Loaned to stockholders □
ll
Fire risks taken, 'no Inland),
Premiumt received on win.
134 FANEUIL HALL INSURANCE COMPANY.
FANEUIL HALL INSURANCE COMPANY,
Boston, Mass."
Commenced Business, March, 1872.
K. S. Chaffee, President. H. D. Bradbury, Secretary.
Attorney in Connecticut, C. 0. Kimball, Hartford.
I. CAPITAL.
Capital actually paid up in cash, $400,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 20,160 00
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 133,450 00
Loans on bond and mortgage, (first liens) more than one year's
interest due, . 0,500 00
Interest due and accrued on bond and mortgage loans, 5,628 68
Value of the land mortgaged, $195,000 00
Buildings, (insured for $95,000) 125,000 00
$320,000 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
U. S. 5 20 s reg., 1867, 10.000 00 10,525 00
" new5's" 1867, 10,000 00 10,525 00
" currency G's, 7,000 00 8,330 00
« 4£'s, 23,000 00 23,747 50
Municipal Bonds : —
Town (now city) Somerville,Mass. 25,000 00 27,500 00
City Minneapolis, Minn. 8's, gold, 12,000 00 13,080 00
» 7's, cur., 4,000 00 4,000 00
" St. Paul, " 7's, cur., 6,000 00 6,000 00
" Toledo. Ohio, 8's, cur., 3,000 00 3,240 00
cer. indebtedness 4,984 67 4,735 46
Railroad Bonds : —
Middlesex Horse R, R., 8,500 00 9,180 00
Railroad Stocks : —
Boston & Albany 500 00 625 00
'• rn. hall ins|-|;a.wi. com r\NV
s : —
\ of Commerce, Boston,
. of Redemption, *'
Massiu'ln.-
..
Globe
[land
H
r "
■•
H ond
atio
nil II .11
..
..
..
EDOnl
rth
•ker Hill
Free-
•'
Hamilton
boro " Northboro
Central " Lynn
Newbyp'rl
Fitchbnrg
- .Inc.
1 I .fid! I I'll
(K)
::. on
1(1, (Milt (II)
10,000 00
• III)
14,600 en
6,800 (»'»
6,000 oo
■i 00
o
2,700 (in
i 00
1,61
MM) (Ml
'J. I"
;:.l(.o on
l.i.mi 00
9.500 do
(Ml
1,40
00 00
00
$246,484 6
la*
l •_•.•_•'.>•; (in
7,816 00
4,800 oo
-; .mi
1 1,225 00
10,82
18 1 K> oo
r.». •_':•_> oo
i oo
10,860 00
I Ml
T.ol '_' 50
<;.(;:,() oo
8,690 oo
2,750 DO
1,690
! . i»
71 3 oo
611 60
2,160
4,188 •".<»
1,060 <">
10,785 oo
1,201
1,890 00
5 00
2,687 50
::: 2] 788 21
Cash in Company's principal offi ce
Cash <1
-t dae and aoeroed on collateral loans.
Bills receivable.
Loan on collateral
;-. Bl
2,167 09
188 88
86,642 17
to
Asset* of tl • •'' ■ ictnal v.il . £4109,0] 7 lt>
III. LIAWLir:;
Loeses i
Losses in process
Net am I f<»r losses,.
136 FANKUIL HALL INSURANCE CCMFANY.
Unearned premiums on fire risks, one year or less, . ...$78,526 04
Unearned premiums on risks more than one year, 50,374 88
Amount of unearned premiums as computed above, 128,900 92
Cash dividends to stockholders remaining unpaid, 805 00
Due and accrued for salaries, rent, &c, 3,000 00
All other demands against the Company, 2,000 00
Total liabilities, except capital stock, 151, -192 77
Capital stock, 400,000 00
Total liabilities, including capital $551,492 77
*Iinpairment, 42,475 52
IV. INCOME DURING THE YEAR.
Premiums received in cash, 251,306 50
Deduct re-insurance, rebate, abatements and return
premiums, 39,938 40
Actual cash premiums, 211,368 10
From interest on bonds and mortgages, 9,069 12
From interest on loans and dividends on stocks and bonds, 17,180 85
From all other sources, 1,546 00
Actual cash income, $239,164 07
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $14,534.92 occur-
ring in previous years), 120,505 28
Deduct re-insurance 294 00
Net amount paid for losses, 120,211 02
Paid for commissions and brokerage, 46,874 92
Paid or allowed for salaries, fees, &c....... 4,715 14
Paid for taxes, 7,897 83
All other payments and expenses, 25,233 36
Actual cash expenditures, $204,932 27
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 10,750,095 00 157,052 08
Having more than one and not more than three
years to ruu from date of policy 4,016,582 00 5.5,517 92
Having more than three years to run from date of
policy, 3,279,264 00 35,140 57
17,045,944 00 247,710 57
Premiums received since the organization of the Company, 1.024,333 50
Losses paid since the organization of the Company, j 575^305 20
Cash dividends paid ■stockholders, 59,250 00
Stock owned by directors at date, 142,700 00
* Since reception of this report the Company has reduced its capital to $300,000. This re-
duces its liabilities below its assets, and leaves a surplus.
rARRAGU i riKl N8 ■ IN< I MPAJO .
• . (no Inland) 818,11
me, 8.992 i v
FARRAGUT FIRE [NSURANCK COMPANY,
N :■■ Tons Oi
• .1 Business, Jan. 29th, l B72.
John M Fubmah, P ; :. Secretary.
- I . FuiiLSB, Norwioh.
I. CAPITAL.
Capital actually peiiMrp in oaab |200,000 00
II. ASSETS.
ad by the 4 inenonmbered 22,444 ,; 7
cm bond and mortgage, nir.st liens,) not more than one
yea: mi 00
rued on bond and mortgage loana 1,01
Val
Building- I 00
k.t V;i!u''.
s : —
IT;.. ■■• :/. :■ . . 2
>TOCK8 : —
Fourth National. ..
I
138 FAHRAGUT FIRE INSURANCE COMPANY.
1,000 00
22,000 00
Loans on Collateral.
Par value. Market value. Aa-.t Loaned.
Fourth National Bank, 1,000 00 1,010 00)^
Enterprise Ins. Co., 300 00 255 00)
Mfrs. Nat. Bk. Brooklyn,.. 15,000 00 13,500 00 10,000 00
Guardian Fire Ins. Co., 1,000(10 850 00 500 00
Broadway R. R, Brooklyn,. 17,500 00 26,250 00 )_
Brooklyn Ferry Co ., 7,500 00 11,250 00)
Fourth National Bank, 20,000 00 20,200 00 12,000 00
Broadway R. R., Brooklyn, 4.000 00 0,000 00)
Peoples Gas Light Co 12,000 00 3,600 00- 11,000 00
»« .... 3.000 00 2,850 00 )
American Express Co 10,000 00 4,050 00)
Adams Express Co. , 6, f 03 00 5,880 00)
Fourth National Bank 7,300 00 7,373 00 0,500 00
Tradesmens' Fire Ins. Co.,. 1,375 00 2,002 50 1.200 00
Istmtg. bond B'dway R.R. 1,000 00 1,000 00)
2d " " 1.000 00 1,000 00 >
Manufacturers Nat. Bank.. 990 00 891 00)
Citizens Gas Light Co., 2,000 00 1,600 00i
U. S. 5.20'b, new, 1865, 4,00(1 00 4,235 00 3,500 00
". 2,000 00 2,117 50 1,800 00
Central National Bank, 5,000 00 5,000 00 n
German American Ins. Co. 5,000 00 5,750 00 - 9,500 00
Guardian Fire Ins. Co 2,000 00 1,700 Oo)
0,000 00
1,000 00
1,500 00
Total, $128,965 00 $129,324 00 $87,500 00 87,500 00
Cash in Company's principal office, 19g Qg
Cash deposited in Bank, 26,483 11
Interest due and accrued on collateral loans, 1431 02
Gross premiums in due course of collection, 7 283 30
Rents due and accrued, 128 00
Office furniture, fixtures, maps, &c. to three offices,.. $+,000 00
Assets of the Company at their actual value, $424,382 60
III. LIABILITIES.
Losses adjusted and unpaid, 3,430 01
Losses reported and unadjusted, 021 21
Net amount of unpaid losses. 4,300 22
Unearned premiums on fire risks, one year or less, 52.041 32
Unearned premiums on risks more than one year. '9,363 00
Amount of unearned premiums as computed above....: 02,005 01
Due and accrued for salaries, rent, &c : 2,701 07
All other demands against the Company, 727 04
Total liabilities, except capital stock,
Capital stock,
Surplus beyond capital,
Total liabilities, including capital and surplus $-124,382 Of,
FARKAGU r P1RB INSUH \ mi'a.n V.
IV. rNOOME DURING THE YEAR.
Premiums reoeii '
Lot re-insu I return
premiums, 5,099 99
Actual cash premiums 114,8
Prom interest on bonds end mortgages •"-. 142 44
interest on loans and dividends on stocks and bonds 17,8
all other sonroes 590 00
Actual cash inoome |188,22
V. EXPENDITURES DURING THE YEAR.
Amonnl paid f< including 38 occurring in pre-
vic ■: 17,886 89
Cash dividends 80,01
Commissions or brokerage 9,418 75
Salaries and fees 21,850 00
2,846 -J'.)
All other payments and expenses, 22,071 7<;
Actual cash expenditures, $184,061 69
YL MISCELLANEnrs.
Premium*.
in force having not more than one year to
run from date of policy .' $24,172,925 00 108,520 84
Hiving more thau one and not more than three
run from date of policy 1,185,509 00 10,789 06
Sg more than three years to run from date of
policy 801,950 00 2,973 L9
$25,660,884 00 L22,2i
Premiums received since the organization of the Company, 918 27
Losses paid since the organization of the Company, 247,278 60
Gash dividends paid stockholders 182,000 <i<>
Stock owned by dire 06, 5<
Loaned to officers and directors - 000 00
holders not officers 18,0
( cUeut in 1877.
• no inland.) 108,1
Premj aired on same. 1,11
Losses paid 7 60
140 liRK ASSOCIATION INSURANCE COMPANY.
FIRE ASSOCIATION OF PHILADELPHIA,
E'hiladelphia, Pa.
Commenced Business, March 27, 1820.
Wm. F. Butler, President. Jacob H. Lex, Secretary.
Attorney in Connecticut, Silas Chapman, Jr., Hartford.
I. CAPITAL.
Capital actually paid up in cash $500,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 06.920 70
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 1,306,361 77
Loans on bond and mortgage, (first liens), more than one year's
interest due, 15,350 00
Interest due and accrued on bond and mortgage loans, 25,241 23
Value of the land mortgaged, $1,383,850 00
Buildings, (insured for $2,084,050-00) 2.767,700 00
$4,151,550 00
Stocks and Bo /ids owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States Bonds, 500,000 00 442,41)3 75
Municipal Bonds : —
Philadelphia City, 400,000 00 448,250 00
Pittsburgh City, 50,000 00 42,500 00
Camden City, 6,000 00 6,480 00
Philadelphia City Warrants 76196 819 10
Railroad Bonds :--
Pennsylvania, 100,000 00 100,500 00
Lehigh Valley, 100,000 00 118,000 00
Lehigh Coal & Navigation, 100,000 00 87,000 00
Philadelphia & Reading, 10,000 00 5,700 00
Catawissa, 10,000 00 10,500 00
Philadelphia & Erie, 12,000 00 14,140 00
Railroad Stocks : —
Pennsylvania, 150,000 00 99,750 CO
Philadelphia & Reading, 100,000 00 34,250 00
Lehigh Coal & Navigation Co., . ... 30. COG 00 30,4CC 00
x l [ON INSUH INCE COMPANY. Ml
P .' \ :lll!f. .Illi".
Philadelphia, i 16,650 00 : 00
Chestnut Hill. I 00
llXBCK] : —
I 00 00
I 00 617,700 o<>
I : tl -
dtadin Bank 126.049 86
Interest due and Merited <»n Btocks, 1,849 <n>
n iu ins in due course of ooUeotioo 186,720 <»7
118 <;<>
Ui Company at their actual value
IU. LIA1;ILIT1!
I and unpaid 16,971 n
I and unadjusted <;<>.<ii;i 60
14,100 00
amount of unp 90,11
[urns on ti 6,782 99
dums on ri .. 66, 17 ; 88
Un i oomputed above, 542,254 ^7
perpetual policiea 1,649,998 '.'l
okholdere remaining unpaid, 1,261 <m»
All other d I kunpany 18,1
ccept capital Btock 2,881,680 77
Capital stock 600,1
• il :.', t 7^
•.I liabilities including capital and surplus
IV. INCOME DURING THE IEAB.
Preiu: 1 sash
md return
!•.!<;, 692
Actual cash premi 1, -
ad mortgage! ;.: 60
l< 6, 7
Dep. 1 7 . r.»
Actual cash income. 11 l'1
v. EXPENDITURES DURING I in: I BAB
Amount paid for losses, (inclu
14:2 FIRE ASSOCIATION- INSURANCE COMPANY.
Commissions or brokerage, 267, 785 15
Salaries and fees, .' 49,508 71
Taxes, 30,188 76
All other payments and expenses, 22,822 50
Deposit premiums returned on perpetual risks, $24,969.05
Actual cash expenditures, $1,205,280 84
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year
to run from date of policy, 96,442,184 00 953,565 99
Having more than one and not more than three
years to run from date of policy, 3,642,721 00 65,926 68
Having more than three years to run from date of
policy, 3,445,093 00 61,463 33
Perpetual risks in force, 70,228.330 00 1,736,840 96
$173,758,328 00 2.817,796 96
Premiums received since the organization of the Company, 7,749,620 00
Losses paid since the organization of the Company, 3,009,326 00
Cash dividends paid stockholders, 1,379,762 00
Stock owned by directors at date, 102,950 00
Business in Connecticut in 1877.
Fire risks taken (no inland), 2,189,526 00
Premiums received,. .30,054 20
Losses paid, 24,251 92
PIKKMKN Sj [NSURANCK COMPANY.
FIREMEN'S ENSURANCE COMPAN1 ,
Ni w am;. N. .1.
Commenced Business, December 3d, '
i ) urn i. II. Dimi ui. Secretary.
'. Ob \s. w ii. son. \, •■>■.■ Raven.
I. CAPITAL.
Capital actually paid ap i:.
% 1 1 II I. (MM I'll
II. ASSETS.
apany onenonmbered
Ik. ii.l and in- r-,t Liens) not more than one
t « 1 1 1 < •
Loans on 1". ii. i . • liens,) more than one year's
of which $14,800 is in process of t< .)....
ind mortgage loans
Bmldingf I for $1,068,626) 1,647,800 00
-'/ Bond* n,r,,i<! by ''<< Company.
Market Value.
- : —
\
rk Bankii
:
Par Value.
! In..
1 1,80
J.760 <><»
1 50, G 25 no
K (Ml
O
877 50
.
-
I
Gross i
All oth-
■
121,000 no
647,919 00
18,900 no
19,014 07
I''-.!
-
144 firemen's insurance company.
III. LIABILITIES.
Losses adjusted and unpaid, $3,435 77
Losses reported and unadjusted, 5,650 00
Net amount of unpaid losses, 9,085 77
Unearned premiums on fire risks, one year or Jess,... 92,928 89
Unearned premiums on risks more than one year, 2G,477 04
Amount of unearned premiums as computed above, 119,406 53
Amount reclaimable by the insured on perpetual fire policies, 288 80
Principal on unpaid scrip, 2,972 00
Interest due and declared remaining unpaid. 802 80
All other demands against the Company,., 710 31
Total liabilities except capital stock, 133,266 2L
Capital stock, 400,000 00
Surplus beyond capital, 500, 059 09
Total liabilities including capital and surplus,.. $1,033,325 30
IV. INCOME DURING THE YEAR.
Premiums received in cash, 218,519 74
Deduct re-insurance, rebate, abatements and return
premiums, 8,431 55
Actual cash premiums, 210,088 19
From interest on bonds and mortgages, 40,779 67
From interest on loans and dividends on stocks and bonds, 9,676 62
From all other sources, 3,426 06
Actual cash income. $272,970 54
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $17,178.34 occur-
ring in previous years) 92,065 29
Deduct salvage and re-insurance, 1,979 04
Net amount paid for losses, 90,086 25
Cash dividends 48,000 00
Scrip or Certificates of profits redeemed in cash, 529 65
Commissions or brokerage, 23,471 43
Salaries and fees, 16,776 47
Taxes, , 4,023 04
All other payments and expenses - 22,447 87
Actual cash expenditures, $205,334 71
VI MISCELLANEOUS.
To Policyholders.
Scrip dividends declared to date, 1 16,<>64 00
Deduct amount redeemed in cash, : 113,692 00
Balance of scrip dividends, 2.972 00
KIKKMKN'.S rUND INSURANCE COMPANY
I'd mi mn. m
tying not more than one year to
ran from a it, ; 00
e th tn on* and do! more than three
. i . from i 2,754,186 00 81,058 <)•;
m ire th to thi i ran from
1,568,780 00 1!'.' '
premiums, 18,000 00 21 28
.'7 85
the org miration of the Company 2.855,14 .
ion of the Oompany ,807 16
ch< ildera 842,500 00
. owned by directors at date ,800 00
ra and directors 10,600 00
250,000 00
Fire d [no inland,) 447,04!) 06
tne, 4,415 52
Losses paid 8,044 04.
FIREMEN'S FUND [NSURANCE COMPANY,
! ■ >, C\l.
1 Bnaini
I>. J. 9l Duknin, S<rret<iry.
i Hartford,
I. CAPITAL.
II.
han one
yea
146 . firemen's fund insurance company.
Interest due on bond and mortgage loans, 1,563 78
Value of the land mortgaged,.... 347,820
Buildings, (insured for $89.200,) 121,150
$468,970
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
United States bonds, reg., 145,000 00 153,700 00
South Carolina bonds, 5,750 00 3,350 00
Bank Stocks : —
First Nat. Gold Bk. San Francisco, 13,300 00 12.635 00
Total, $164,050 00 $169,685 00 169,685 00
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Nat. Gold Bk. & Trust Co. 16,500 00 12,375 00 8,450 00
Savings & L. S., San Fran. 15,000 00 30,000 00 20.000 00
California Powder Co...... 25,100 00 25,100 00 14,000 00
" " .... 10,000 00 10,000 00 5,000 00
El Dorado W. & D. G. M.
Co., with approv. endor. 200,000 00 30,000 00 5,000 00
First N. G. Bk. San Fran.. 10.000 00 9,500 00 6,000 00
Total, $276,600 00 $110,975 00 $58,450 00 58,450 00
Cash in Company's principal office, 4,608 68
Cash deposited in Bank • 51,003 95
Interest due and accrued on stocks, 583 70
Interest due and accrued on collateral loans, 112,09
Net premiums in due course of collection 45,258 45
Bills receivable, 19,975 00
Endorsed notes given in settlement of judgment for salvage on
losses paid, 5,776 40
All other property belonging to the Company, 970 16
Advanced on real estate secured by terms of original mortg., 3,286 25
Assets of the Company at their actual value, $738,637 46
III. LIABILITIES.
Losses adjusted and^unpaid, 2,301 95
Losses reported and unadjusted 29.751 94
Losses resisted, 4,000 00
Total,... 36,053 89
Deduct re-insurance 1,500 00
Net amount paid for losses, 34,553 89
Unearned premiums on fire risks, one year or less 191,501 87
Unearned premiums on risks more than one year, 31,510 31
Unearned premiums on unexpired marine risks, 48,491 87
Amount of unearned premiums as computed above,.. 271,504 05
firemen's FUND INSURANCE COMPANY. 117
Oath d remaining unpaid.
Marine bills payable,
All other demands against the Company
Total Liabilities ipital stork.
Surplus beyond oapital
19
'J.V.i*
15
71
167
)
129,170
17
Total liabilities inolnding oapital and surplus, $788,687 46
IV. INCOME DUBING THE YEAR
Kir--. Marine.
Premioms] ah $486,250 f> 4 £n<;,028 32
Deduct re-insui
ad return premiums, 69,721 70 '-"•>. 216 :):>
ahpremiums *tl<;,.V_'S 84 >-7.:;i 1 i'7 ;>o3.s40 81
Bills and n ed for prema., 3 1<> 19,786 90
From interest on loans and dividends <>u stocks and bonds 28,2
From all other L'<>.<;:;;; io
: aal ea-h income. S">.>2,71 1 [)G
V. EXPENDITUSES DURING THE YEAR.
Fire. Marine.
Amount paid f o niclud. $81,-
Kmrring in pn |223,436 <:4 $96,820 90
Deduct re-insurance 12,904 99 81,636 73
amount paid for losses, 210,631 66 66,191 17 275,71
Cash dividends (it;.:
Commissions or brokerage, 67,4
8alaries and fees 40,700 00
9,242 ll
G8,<;
Actual cash expenditures, $618,662 '.'4
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from dat 26,6( 383,003 84
Having more than one and not more than three
years to run ft I L.668 00
Having more th ui to run from date of
poh ;•
• 7)1 00 451,45
Mar urns.
101 81
Los soo paid since th
Cash
148 FIRST NATIONAL FIRE INSURANCE COMPANY.
Stock owned by directors at date, 44,400 00
Loaned to officers and directors, secured by collaterals, 22,450 00
Loaned to stockholders not officers, secured by collaterals, 5,000 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 531,773 16
Premiums received on same, 7,008 21
Losses paid, ;. 1,200 07
FIRST NATIONAL FIRE INSURANCE COMPANY,
Worcester, Mass.
Commenced Business, January, 1869.
Chas. B. Pratt, President. R. James Talman, Secretary.
Attorney in Connecticut. Silas Chapman, Jr., Hartford.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 166,925 00
Interest due and accrued oh bond and mortgage loans, 3,053 32
Value of the land mortgaged, > o 7 r qqq
Buildings, (insured for $108,230.00) i
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States bonds, .-. 1,000 00 1,044 88
Municipal Bonds : —
City of Worcester, 3,500 00 3,902 50
" Springfield, 6,000 00 7,080 00
" New London,, 10,000 00 11,075 00
Railroad Bonds : —
Worcester & Nashua,..,. , 500 00 492 50
Fii ' i. KIKK INSl 1: av.'K COMPAM
II 00
00
■•. i"! 88
Par Value. Mark' I EiOAMd
a Via. K. I • '<> i 00 415 60
600 00 •'■'
nk ".Mi 400 00
2,600 00
Bank, W or* Bter, 10,000 <><> 14,600 00 ] i. «
17.4(H) 00 16,1
Total. ,772 76 83,365 50 165 50
principal office >2 M
in bank
326 00
.: iteral Loans 28 1 66
oiuma in due oonrae of ooUeetion 26 61
Assets of the Company at their actual value 82 66
III. LIABILITIES.
.sted and unpaid 915 00
unadjusted
2,800 00
f anpaid loaaei il\
iaka more than one /ear, . . 20,444 1)8
\g us odmpnted
I 72
I i;
200,(
Total Habilitiea, including capital an
IV. r.\i:
Premi'.-
irn
pren
Actual cash premiums.
150 FIRST NATIONAL FIRE- INSURANCE COMPANY.
From interest on bonds and mortgages, 1 1,041 22
From interest on loans and dividends on stocks and bonds, 5,79!) 93
Actual cash income, $132,765 78
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $4,531.65 occurring in pre-
vious years), , 63,049 26
Cash dividends, (stock dividends paid in cash, $50,000 00) 15,000 00
Commissions or brokerage , 18,923 43
Salaries and fees, 5,2(!6 66
Taxes 3,627 60
All other payments and expenses, 8,147 00
Actual cash expenditures, $114,013 95
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year
to run from date of policy, 6,104,394 00 91,669 06
Having more than one and not more than three
years to run from date of policy. 1,286,224 00 19,529 25
Having more than three years to run from date
of policy, 1,325,929 00 19,697 17
8,716,547 00 130,895 48
Premiums received since the organization of the Company 1,089,092 00
Losses paid since the Company organized, 666;816 69
Cash dividends paid stockholders, 56,000 00
Stock owned by directors at date, 68,200 00
Loaned to officers and directors, 52,000 00
Stock dividends declared, 50,000 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 165,553 00
Premiums received on same, , 2,755 74
Losses paid, 3,983 67
FRANKLIN FIRM LN8UKANCE COMPANY. I . r » I
FRANKLIN PIRE INSURANCE COMPANY,
Piin.AM.i.rniA, PxHH.
Oommeneed Business, Jane, 1829,
'< nt. Thbodobj B >.. > an tary.
Attorney in t tut, •'. W. Smith, Waterbury
I. CAPITAL,
Capital actually paid up in cash, 1 100,000 00
II. ASSETS.
estate owned by the Company unencumbered, 1 71,250 00
I - on bond and mortgage (first liens) not more than one
tdue 2,419,089 16
Inter* L accraed on bond and mortgage,. t4,2i
Value of buildings (ins. for $2,569,325.27,) $5,269,195
Stock* and Bond* owned by the Company.
Par Value. Market Value.
I". S. an OOKS : —
l". S. bonds, eonp. 1881 5,000 00 5,331 25
Idem. 1881, reg 70,000 74,637 50
" 5-SSO'a V..Vs.... 30,000 00 30,825 00
u •■ 5-20 , B*67's t ... 105,000 00 110,643 75
" " 10-40'fl 4o.o n 12,750 00
te Warrants 16,000 00 12,750 00
New Jersey, Exempl (0 00 00
: »fl : —
50,( 56,1 62 60
•• Colombia B'a l« ,000 00 l L,< 00 00
I lem. 7*a 00 5,260 I
» c - I no 1,100 00
!
10,000 00
; . i > it i ". 00
15,000
Commercial N
152
FRANKLIN FIRE INSURANCE CCMPANr.
Miscellaneous : —
American Steamship Co., ....
Continental Hotel Co., pref.
Par Value.
10,000 00
1,000 00
Market Value.
7,400 00
1,280 00
Total.
$120,600 00 $136,205 00
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
U. S. bonds 5-20's, 1867, 10,500 00
Metropolitan Nat. Bk. Wash. 2,000 00
Hestonville, M. & F. P. B.W. 15,000 00
West Phildelaphia, P. B. Co. 4,500 00
Pennsylvania B. B. Co., 1,800 00
New Jersey Exempts, 1,000 00-
Harrisburg, P. L. & Mt. Joy 2,000 00
Westchester & Phil. B. B.,.. 2,000 00
C&tawissa B. B. Co., 1,000 00
11,064 37
2,200 00
13,200 00
5,850 00
1,188 00
1,100 00 J
2,100 00 [
9,475 00
1,700 00
12,000 00
5,150 00
850 00
2,260 00
1,060 06 j
y 5,000 oo
436,205 00
Total.
$30,800 00 $40,022 37 $34,175 00 34,175 00
Cash in Company's principal office,
Cash deposited in banlj,
Interest due and accrued on stocks,
Interest due and accrued on collateral loans, ,
Amount of cash in hands of agents in coui'se of transmission,
All other property belonging to the Company,
7,235 08
203,015 73
900 00
510 96
46,443 31
356 25
Assets of the Company at their actual value, $3,363,445 74
III. LIABILITIES.
Losses adjusted and unpaid, $54 869 88
Losses reported and unadjusted, 27.212 31
Net amount of unpaid losses,
Unearned premiums on fire risks, one year or less, 278,603 85
Unearned premiums on risks more than one year, 292,747 04
Amount of unearned premiums as computed above
Amount reclaimable by the insured on perpetual fire policies,
Cash dividends to stockholders remaining unpaid,
All other demands against the Company,
82,082 19
571.350 89
1,454,357 31
576 00
3,640 00
Total liabilities, except capital stock, 2,112,006 39
Capital stock,.. 400,000 00
Surplus beyond capital, 851,439 35
Total liabilities, including capital and surplus,.
563,445 74
IV. INCOME DUBING THE YEAB.
Premiums received in cash 835,752 74
Deduct re-insurance, rebate, abatements and return
premiums, 97,042 50
Actual oash premiums, .
738,110 24
FRANKLIN HKK LN8UKA* Ml'ANV.
From interest on bonda and m | ,101 <>4
tna and dividends on atooka and bonda 25, 1 E
From all other ll t 0(
leaa LOp, a from perpeptnal nsks, $64, 546
918, 7J
V. EXPENDITUEES DIKING THE TEAS.
imoontpeid f or looaaa 894,888 92
l.i 128,859 00
Com-. r brokerage 112,978 94
82 71
Taxe^ 86, r
AD other paymenta and expenses 129,627 85
Deposit prema. retnrned on perpetual tire risks $54,816 o<;
Actual cash expenditures >»7,.M;; Hi
VI. MISCELLANEOUS.
Premiums.
in force having not more than one year to
run from date of policy 4<5,4lO,826 00 557,207 70
Having more than one and not more than three
run from date of policy 19,688,686 00 259,327 98
Having more than three years to run from date of
, 21,648,276 00 841,1
Perpetual risks in force and interest premiums, ... 61,475,890 00 1,555,657 98
149,178,678 00 2,718,256 67
dums received since the organization of the Company 19,1 W,91
Losses paid since the organization of the Company, 10,758,678 51
dividends paid stockholders 8,580,000 00
Stock owned by directors at data 00 00
Loaned to stockholders not ofioera 7,250 00
Butinmt s 77.
Fire n, (no inland 2,290,694 67
pnaame 26,1
Losses paid
154 GERMAN AMERICAN INSURANCE COMPANY.
GERMAN AMERICAN INSURANCE COMPANY,
New Yokk City.
Commenced Business, March 7th, 1872.
Emil Oelbermann, President. James A. Silvey, Secretary.
Attorney in Connecticut, C. C. Kimball, Hartford.
I. CAPITAL.
Capital actually paid up in cash, t ... $1,000,000 00
II. ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
U. S. 4's. leg., 100,000 00 101.500 00
11 4^'s, reg 110,000 00 114,000 00
" 5's, coupon, 10-40's, 15,000 00 16,050 00
" 5's, reg. 10-40's, 40,000 00 42,800 00
" 6's, reg. 1867, 100,000 00 105,500 00
" 6's, coupon, 1867, 100,000 00 105,500 00
1865, 25,000 00 25,500 00
" 6's, reg. 1881, 600,000 00 610,500 00
" " currency, 160,000 00 191,000 00
Missouri 6's, ' 50,000 00 52,500 00
Municipal Bonds : —
Rochester City 7's, Water loans,.. 40,000 00 44,000 00
Buffalo City 7's 25,000 00 27,500 00
Yonkers City 7's, 21,000 00 23,100 00
Railroad Bonds : —
Central Pacific 1st mtg. gold, 50,000 00 52,500 00
Union Pacific " " .... 50,000 00 52,250 00 .
Chicago, R. I., & Pac. 1st mtg. 6's, 50,000 00 53,000 00
New York Central, 1883, 6's, 50,000 00 52,000 00
Syracuse, B. & N. Y., 1st mtg. 7's 20,000 00 20,000 00
Del. Lack. & Western, conv, 7's,. 8,000 00 8,000 00
Railroad Stocks : —
New York & Harlem, 50,000 00 71,000 00
Total, $1,664,000 00 $1,798,200 00 1,798,200 00
(I (II)
HAN IMKKICAN INSURANCE COMPANY.
' oltateral.
Ami. Loam d.
00 l.">.7.".<> 00 12.0(H) (mi
00 I..". ■"' 00 I. .'• it no
H ~ inn 001
,000 00 3,86 i '
7,000 00
■ i 12,15 i
' :' 81,000 "(i '
50,00Q (Ml
15,000 00 16,687 - 10,000 00
Unite - - 001
00 6,187 00 I
:. P. K. K. ;--. ml | 8 20,9 m I ,M) - {Hn) °°
Buffalo City boadfl ' 00
16,000 00 16,8
M 10-40*8 l,ooooo 1,070 oo> 80,( in
15,000 00 16,500 "ii)
Total. | 16,200 <"> 286,200 00
2,4SM
167,991 "1
s premiums in d of oolleotion 69,819. i'i
A- i uul value (2,324,74
III. LIAiaLlll:
id 25,232 B2
: adjustment, 63 256 82
10,766 18
Total 99,255 77
Deduct re-in^ L'7 oo
99,228 77
linear- me year or I 7 1
Unea:: tfa in one year 14
■
18,761 98
.1 lisbiHtti i ^
I,000,(
Surplu- I
• •.! liability
i in: vi:m;.-
i
■
156 GERMAN AMERICAN INSURANCE COMPANY.
From interest on loans and dividends on stocks and bonds, 115,618 41
Actual cash income, $1,048,668 01
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $51,207.73 occur-
ring in previous years), 425,200 26
Deduct re-insurance and salvages 8,647 82
Net amount paid for losses, 416,552 44
Cash dividends, ! 100,000 00
Paid for commissions and brokerage, 139.354 21
Paid or allowed for salaries, fees, &c.,... 94,620 77
Paid for taxes, 24,808 77
All other payments and expenses, 98,645 18
Actual cash expenditures, $873,981 3'
VI. MISCELLANEOUS.
Premiums'.
Risks in force having not more than one year to-
run from date of policy, 82,626,087 00 768,037 49
Having more than one and not more than three
years to run from date of policy 16,168,206 00 172,624 39
Having more than three years to run from date of
policy, 7,792,679 00 89,007 42
106,586,972 00 1,029,669 30
Premiums received since the organization of the Company, 5,420,798 47
Losses paid since the organization of the Company, 2,229,570 54
Cash dividends paid 'stockholders, 440,000 00
Stock owned by directors at date, . » 298,100 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 1,895,741 00
Premiums received on same, 21,917 07
Losses paid, 15,226 59
GKRMAN1A FIRE [N8UHANCK COMPANY.
GERMANIA FIRK INSURANCE COMPANY,
. 7ori Oi
Commenced Business, March, 1859.
U at. Buoo BchumaIw, Secretary.
Attorney in ( 6, Silas Ckatman, -Ik.. Sartford.
I. CAPITAL,
"Killy paid up in eaab $600,000 00
1L ASSETS.
• owned bj the Company, unencumbered, 60,8J
Loans on bond and mortgage, i, tir.^t liens;, not more than one
terest due. 548,500 00
- on bond and D first lien- in <>ne year's
interest due, (oi which $12,000*00 is in process of foreolosnre), 12,0
Interest due an on bond and mortgage loans SO <><>
Value of the land mortgaged, $533,600
Buildings for $542,150J (;:>7.'_'oo
$1,190,8
Stork* and Be tned by the Company.
Pat Value. Market Value.
U. S ''-1'i's reg.,'64, .Vs.. 400,000 00 42<
25,000 00
95,962 50
5-20's
:,s: —
18,
•> 00
•• 3 6,210
•• ' 15,90
21,000
••
(id
■•
Kit
—
:<
58
GERMANIA FIRE INSURANCE COMPANY.
Loans on Collateral.
Nat. State Bk.. Eliza., N.J.
Sterling Fire Ins. Co , N.Y.
XJ. S. Express Co.,
Western Union Tel. Co., ,
German ia Life Ins. Co.,
First Nat. Bk., Jersey City.
Gallatin Nat, Bank, N. Y.,.
Merchants Nat. Bank,
N. Y. Life and Trust Co.,...
North River Ins. Co.,
U. S. Fire Ins. Co.,
First Nat, Bk. , Jersey City, ,
Peoples Bank, N. Y.,
N. Y. Central 11. R.,
U. S. 5-20's 1867, coupon,...
Brooklyn Per. Water Loan,
N. Y. & Harlem R. R, con.
Germania Life Ins, Co., ...
U. S. 10-40's 1864, reg.,
Par Value.
16,400 00
2.000 00
1,500 00
700 00
2,000 00
5,800 00
2,600 00
5,000 00
. 4,000 00
4,450 00
750 do
4,000 00
1,000 00
.8,000 00
4,500 00
3,000 00
5.000 00
6,000 00
7,500 00
10,000 00
A.mt. Loaned.
14,500 00
1.000 00
6,000 00
Market Value,
16,400 00 ^
2,000 00 J
705 00)
532 00)
2,300 00)
5,800 001
3,042 00^)
5,800 00 J
10,000 00 '} 15,000 00
5, 1 25 00 |
1,162 50 j
4,000 00 1
8,135 00
7,031 25 f 30 ' 000 00
5,200 00
7,080 00
8,625 00 J
10,675 00 0,600 00
Total, $89,200 00 $1)9,512 75 $76,100 00
Cash in Company's principal office,
Cash deposited in bank,
Interest due and accrued on stocks,
Interest due and accrued on collateral loans,...
Net premiums in due course of collection,
All other property belonging to the Company, .
76,100 00
12.764 31
72.765 31
2,941 66
1,404 46
74,50(5 50
9,700 00
Assets of the Company at their actual value, $1,631,820 79
III. LIABILITIES.
Losses adjusted and unpaid, 11,512 60
Losses reported and unadjusted, 19,178 66
Losses resisted, -. 38,008 11
Net amount of unpaid losses,
Unearned premiums on fire risks, one year or less, .
Unearned premiums on risks more than one'year, ..
j289,847.()5
120,235 69
Amount of unearned premiums as computed above,
Total liabilities except capital stock, .
Capital stock,
Surplus beyond capital,
68,699 43
410.082 74
478,782 17
500,000 00
653,038 62
Total liabilities including capital and surplus, $1,631,820 79
GERM lh 159
iv. I ri 1 1: \
Dd
Mil
7-'. 17" (»'_>
310 01
252 II
i dividends <»i. Btooka and bonds
v. \i> ! DURING BAB.
inolnding $45,465.63 oocuf-
ring in previous years,) 46
11,242
Net amount paid for losses 327,178 18
000 0(1
116,8
B I fees 71.:
106,71 1 29
Actual cash expenditures
VI. MISCELLANEOUS.
Premiums.
• more than one year to
run from date of policy »2 00 579,694 11
■ re than one and not more than three
m date of policy, 12,192,274/00 154,148 94
to run from d ate of
5,291,91
816,015 1 1
i received c rganiiation of the Company 10,148,00'
: •• Company I. -
00
1 17,1
I
i I. i
l.l'
160
GIKAKD F. AND M. INSURANCE COMPANY.
GIRARD FIRE AND MARINE INSURANCE COMPANY,
Philadelphia, Pa.
Commenced Business, May, 1853.
Alfred S Gillet, President. Philander C. Royce, Secretary.
Attorney in Connecticut, Ralph Gillett, Hartford.
I. CAPITAL.
Capital actually paid up in cash $300,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 275,000 00
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 386,866 65
Loans on bond and mortgage, (first liens), more than one year's
interest due, 4,000 00
Interest due and accrued on bond and mortgage loans, 9,475 87
Value of the land and buildings mortgaged, , 1,008,950
Buildings, (insured for $345, 750. 00)
$1,008,950
Stocks and Bonds
U. 8, Stocks : —
United States Bonds,
Municipal Bonds : —
City of Philadelphia loan,
" Louisville "
" St. Louis "
Railroad Bonds :--
Union Pacific,
Pennsylvania,
Danville, Hazelton & Wilkesbarre
Camden & Amboy,
Connecting,
Philadelphia & Reading,
North Pennsylvania,
Lancaster & Reading,
Lehigh Navigation Co. ,
Susquehanna Coal Co.,
Philadelphia & Erie,
owned by the Company.
Par Value. Market Value.
142.000 00 150,715 00
17,800 00 19,936 00
10,000 00 10,000 00
10,000 00 10,500 00
5,000 00
18,000 00
20,000 00
17,000 00
10,000 00
5,000 00
5,000 00
10,000 00
11,000 00
3.000 00
15.000 00
5,350 00
19,565 00
10,000 00
18,150 00
10,000 00
2,850 00
5.550 00
10,000 00
11,220 00
2,100 00
15,250 00
OIKAKU !'. AND M. IN8URANOE COMPANY. H>1
Pat Value. Market Value.
: —
20,0( » ' <"'
Phila., Wilmu tltimore,, 2,600 - <i<>
•- : —
' 00
00 1818,811 00 813,811 00
ml.
Parvalae. Market value. Ami Loaned.
P Bjh nia EL B 1,000 00 660 00 850 00 860 00
8,600 00
Temporary loan secured by personal security. (8,000 00
ny*s prinoipal offioe 2,601 77
sited in Bank 63,178 \:\
882 80
in ins in due i ourse of eoUeetion 80,858 86
All other property belonging to the Company, 58 44
apany at their actual value, $1,098,678 82
III. LIABILITIES.
mount of unpaid losses 21,410 <>4
liums on fire risks, one year or less,... 182,881 62
Unearned premiums <>n ri>ks more than one year..... 1 1 ."* . f ; l ; '. ■
1 premium 3 as computed above 248,461 27
on perpetual policies <;::.•
Due and accrued for ] . • :•
All other demands against the Company 12, :»!':• 07
t capita] Btook ::t;.;
Capital stock
A 16,1
and surplus
IV. ' I THE VKAK.
B60, 12 I
turn
Actual cash : |S78,40l 49
21
162 GIRAKD F. AND M. INSURANCE COMPANY.
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $44,027. 09 occurring in pre-
vious years), 166,751 58
Cash dividends, 75,000 00
Commissions or brokerage, 50,406 07
Salaries and fees, 30,241 44
Taxes 15,324 23
All other payments and expenses, 22,264 43
Deposit premiums returned on perpetual risks, $1,940.85
VI. MISCELLANEOUS.
Actual cash expenditures, $365,988 35
Premiums.
Risks in force having not more than one year
to run from date of policy, 27,918,390 00 265.663 04
Having more than one and not more than three
years to run from date of policy, '10,724,919 00 150,290 80
Having more than three years to run from date of
policy, 2,498,550 00 65,364 00
Perpetual risks in force, 2,768,233 00 73,776 79
$43,910,092 00 555.094 63
Premiums received since the organization of the Company, 4,365,729 00
Losses paid since the organization of the Company, 1,845,030 58
Cash dividends paid stockholders, 523,331 00
Stock owned by directors at date, 99,600 00
Business in Connecticut in 1877.
Fire risks taken (no inland), 943,100 00
Premiums received,. 8,741 39
Losses paid, 2,897 21
HANOVKK FIKK 1NSUKANCK COMPANY.
163
HANOVEK PIKE [NSURANCK COMPANY,
. i Y.
Oommenoed Bosinees, April, 1852.
min S. WAliOOTT, /' JChj ! Secretary.
.["■:'■ 't, Silas Chavmax, .Ik., Hartford.
I. CAPITAL
Capital actually paid up in cash $500,000 00
II. ASSETS.
Reel estate owned by the Company uueucuxnbered
Loar. rtgage, (first liens,) not more than one
2,725 'J 5
dne
24 0.7 Mi ("i
-: eocraed on bond and mortga
Value of the lauds morl
ge loans
1,:)'
.. 202,606 oo
Buildiugs. (insured for $2
by the
Par Value.
20,1
60,000 oo
I
<) OM
.lino oo
Stocks and Bonds o
- and State Stocks:—
U. - . rag
•■ 6*8, i '.:--• y. reg
coupons
:■ g
$601,600 00
Company,
Market Value.
21,8*
60,01 i
4 •_'•_'.<!' OO
16,84
.) 00
•• i I'b, res.,
5 oo
Conr.
N. V.
21,400 00
a-ssint. fund
oo
•• 1 ■ pot.
I' .'lie P.irk L. I*.»i7....
1
164 HANOVEK FIKE INSURANCE COMPANY.
Par Value. Market Value.
Bank Stocks : —
Metropolitan National, 7,500 00 9.750 00
American Exchange, 15,000 00 15,000 00
MlSCELL, NEOTJS : —
Central Trust Co., 10,000 00 10,750 00
Total $1,088,500 00 $1,156,008 75 1,156,008 75
Loans on Collateral.
Par Value. Market Value. Arat. Loaned.
Union P. R. R. 1st mtg 20,000 00 21.475 00)
North National Bank, 12,000 00 6,250 00)
United States Trust Co., 1,000 00 3,500 00 2 650 00
Metropolitan Nat. Bank, 15,000 00 10,500 00 15,000 00
Hanover Nat. Bank^ 2,500 00 2,500 00 1,500 00
Fifth Avenue Bank, ..;. 1,000 00 2.205 00 1,600 00
20,000 00
Total, $52,000 00 $55,430 00 $40,750 00 40,750 00
Cash in Company's principal office, 12,267 02
Cash deposited in Bank, , 70,186 85
Interest due and accrued on stocks 3,043 34
Interest due and accrued on collateral loans, 1!)] f?3
Gross premiums in due course of collection, 85,377 57
Premiums unpaid on policies which have been issued more than
three months, $1,172 01
Balance in hands of agents more than three months due, 0,073 54
Assets of the Company at their actual value, $1,621,608 48
III. LIABILITIES.
Losses adjusted and unpaid, 30,411 57
Losses reported 'and unadjusted, 18,058 66
Losses resisted, : 37,208 11
Net amount of unpaid losses, 85,678 34
Unearned premiums on fire risks, one year or less, 280,711 32
Unearned premiums on risks more than one year 102,381 26
Amount of unearned premiums as computed above 473,002 58
Ail other demands against the Company, 0,520 40
Total liabilities, except capital stock, 568,300 41
Capital stock, : 500,000 00
Surplus beyond capital, 553,308 07
Total liabilities, including capital and surplus,....., $1,621,608 48
IV. INCOME DURING THE YEAR.
Premiums received in cash, 784,876 36
Deduct re-insurance, rebate, abatements and return
premiums, 72,275 13
Actual cash premiums, , 712,601 2'
haxovbk pirk in8ukanck company.
17.';::: lm
Its an. I kx adi
$801, 191 85
V. EXPENDITUBES DURING THE S BAB.
Amount paid for 0,460.48 ooonr-
887,880 B8
Jvage and re-insoranoo, 10,787 n
876,1
60,000 00
riaaiona or brokerage 116,1
46,9
17.7M BG
All other paymenta and axpeneee 180.2
ish expenditures, (787,646 05
VI. MISCELLANEOl -
Premium*
in force having not mora than one year to
ran from date of policy 29,414 00 561,422 64
»re th.ui one and not more than three
ran from 20,400,857 00 228,840 90
a >re than three years to run from date of
policy 11,087,916 00 154,892 14
517,687 00 989,1
Premiums received since the organization of the Company 66 81
> organization of the Company 4,651,824 12
holders 834,f
Stock own* itoraatdate 149,5
Stocl: 100,000 00
Loaaed to officers and directors - 20,000 00
Buiim m "i i in 1 ^77.
1,686,698 1 B
me,
Loaaea paid :;,i.
163 HOFFMAN FIKE INSURANCE COMPANY.
HOFFMAN FIRE INSURANCE COMPANY,
New York City.
Commenced Business, May, 18G4.
M. F. Hodges, President. John D. Macintyre, Secretary.
Attorney in Connecticut, Silas Chapman, Jr., Hartford,
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens,) not more than one
year's interest due. 171,493 00
Interest due on bond and mortgage loaus, 3,990 69
Value of the lands mortgaged, 154,800 00
Buildings (insured for $132,500.00), 197,500 00
352,300 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
U. S. 10-40's, registered, 30,000 00 31,650 00
" 6's, 1881, " 25,000 00 20,687 50
" 5-20's, 1867, " 35,000 00 36,925 00
" 6's, '65, new " . 10,000 00 10,300 00
" 6's, 1865, coupon, 10,000 00 10,275 00
Bank Stocks : —
National Bank of Commerce, 5,000 00 6,000 00
Am erican^Exchange National, 20,000 00 21,100 00
Bank of the Metropolis, 10,000 00 8,500 00
Railroad Bonds : —
N. Y. Central & Hudson Eiver,... 20,000 00 21,300 00
Total, $165,000 00 $172,737 50 172,737 5o
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Bank of New York 1,300 00 1,625 00 1,250 00
Star Fire Ins. Co., 2,900 00 3,480 00 1,800 00
» 2,000 00 2,400 00 1,000 00
?otal, $,6,200 00 $7,505 00 $4,050 00 4,050 00
HOFFMAN FIRE INSUHANCK COMPANY. L67
•u'ip.ii offlee
Oaah deposited in hanks,
)t dae aii.l ! loans.
iums in dae oouree of oollection,
1,098
11
400
l II
7'.
10,115
of the Company at kheix totnal value $877,845 27
in. Li.um.rn;
: and unpaid, 2,749
krted and anadjasted 5,080 BO
rat of unpaid losses T,7 v n 18
irned premioms on fire risks, oi 'less 61,804 17
.■mis on risks more than .... 9,080
dams on inland navigation risks.. £88
Amount of unearned premiums as computed above, 7".t',7 - _' 90
All other demands against the Company 686 18
Total liability .1 stock 79;i
200,( 00 00
Sur. ad capital 98,256 <»i
Total liabilities, including capital and surplus 15 27
IV. INCOME DURING THE VI.Ai:.
Inland.
Premiums received in cash, 148,167 00 757 50
Deduct re-ii aenta
and return premium- : 18,883 26
Actual cash premiums 129,788 7.", 757 50 130,541 25
From interest on bu: 10,975 48
From interest on loans and dividends on stocks and bonds, 9,654 48
cash income, $151,171 1 6
v. EXPENDITUBES DUBING THE YKAi:
rid.
Amount paid 1 $8,-
Deduct salvages and reinsurance, 1,559 15
■ amount p "7. 7
Cash dividends
Commissions or brokerage
I(i8
HOFFMAN FJKrC INSURANCE COMPANY
Salaries, fees, and other office and agency expenses,
Taxes :
All other payments and expenses,
Actual cash expenditures,.
20,940 00
4,285 03
16,125 28
161,361 94
VI. MISCELLANEOUS.
Premiums.
.Risks in force having not more than one year to
run from date of policy, $13,039,743 00 122,608 30
Having more than one and not more than three
years to run from date of policy. 855,799 00 12,760 45
Having more than three years to run from date of
of policy, 181,708 00 2.841 05
14,077,250 00 138.209 80
Inland. Premiums.
14,000 00 577 50
Premiums received since the organization of the Company, 1,822,929 J 7
Losses paid since the organization of the Coinpauy, 1,174,3">9 05
Cash dividends paid stockholders, 110,000 00
Stock owned by directors at date, 77,950 00
Loaned to officers and directors, 1,250 00
Business in Connecticut in 1877.
Fire risks taken, (no inland),.
Premiums received on same,.
Losses paid,
453,603 33
5,435 54
4,916 21
HOME INSURANCE COMPANY. 169
HOME INSURANCE COMPANY,
.UK. X. J.
Commenced Business. July 1. 181
V\'m. R kbothax, Vvii. i\. Freeman, Secretary.
At! \n Connecticut, 0. W. Preston, Hartford.
I. CAPITAL.
Capital actually paid up in cash $200,000 00
II. ASsET>.
Real Estate owned 1 P* n J unencumbered
(first liens i >re than one
76,025 00
and mortgage, (first liens j more than one year's
interest due. (of whi h $6,000.00 is in process of fore-losure. ) 20,700 00
Interest due ar. I >n bond and mortgage loans. 8,446 67
' -he land mortgaged $161,610 00
Buildings, (insured for - 115.000 00
r6,5l0 00
Stocks a- >wned by the Company.
Par Value. Market Value.
U. B. Bl
-'ates Bonds, 1807 60,000 00 52,626 00
2.000 00 2,240 00
Newark C 00 1.110 00
1,482
: —
Qo 1<V<» I f0
Mont Mr •• I 00
Total, 00
22
170
HOME INSURANCE COMPANY.
American Trust Co.,
Trenton Gas Light Co.,.
Loans on Collateral.
Par Value. Market Value. Amr. Loaned.
7,500 00 3;750 00 1,500 00
1,080 00 1.29(5 00 000 00
Total, $8,580 00 $5,046 00 $2,100 00
Cash in Company's principal office,
Cash deposited in Bank,
Interest due and accrued on stocks,
Gross premiums in due course of collection,
Assets of the Company at their actual value, .
2,100 00
1,075 85
10,394 81
187 00
16,898 1)3
1281,608 07
III. LIABILITIES.
Losses adjusted and unpaid 11,688 06
Losses reported and unadjusted, 045 00
Net amount paid for losses,
Unearned premiums on fire risks, one year or less.
Unearned premiums on risks more than one year,
Unearned premiums on unexpired marine risks,...
28,252 05
4,181 34
13,002 97
Amount of unearned premiums as computed above,
Due and accrued for salaries, rent, &c
Due and to become due for borrowed money,
All other demands against the Company,
Total liabilities except capital stock, .
Capital stock,
Surplus beyond capital
Total liabilities including capital and surplus,,
12,333 06
45,436 36
633 02
20.000 00
1,053 71
79,450 15
200,000 00
2.151 92
,608 07
IV. INCOME DURING THE YEAR
Premiums received in cash,
Deduct re-insurance, rebate, abate-
ments and return premiums,
Fire.
178,108 11
15,672 55
(52,435 56
Marine.
$67,012 5i
Actual cash premiums,
From interest on bonds and mortgages,
From interest on loans and dividends on stocks and bonds
387 83
$ 66,624 72
129,06) 28
6,503 58
6,356 78
Actual cash income, $141,920 04
V. EXPENDITURES DURING THE YEAR.
Fire. Marine.
Amount paid for losses (includ. $6,-
421.28 occurring in previous years), $37,217 13
Deduct re-insurance, 32 37
Net amount paid for losses,
37,134 76 49,650 23.
86,834 99
BOMB INSUKAB MPANY
171
Ci<di dividenK ll.diMi do
:'(> 14
Bala I) 00
i ;
AH other payments and i i 11,823 61
rpenditnrea $141,096 24
VI. MISCELLANEOUS
wing not more than one year to
run from date of polioj .V»7.">.0(J8 00
. n one and not more than tl.
in from date of polioj 411,172 <>o
g more thin thl to run from date of
policy, 187,250 00
6,178 490 00
Man lie.
Premiums received since the 01 « of the Company
i I since the org mil it ion <>f the Oompanj
dividends paid stockholders
ned hy (tireetorn at date
•:d to officers and directors
Prom!
65,604 09
10 G-'
2,281 70
62,686 11
Premioma
18,002 97
812,797 18
141,590 66
62,000 o(»
91,200 00
1,500 00
Fire risks taken, (no inland),
inms reoeii
Losses paid,
36 17
8,456 40
6.010 ">1
172 HOME INSURANCE COMPANY.
HOME INSURANCE COMPANY,
New York City.
Commenced Business, April 13th, 1853.
Charles J. Martin, President. Josn H. Washburn, Secretary.
Attorney in Connecticut,^ -a. E. Baker, Hartford.
I. CAPITAL.
Capital actually paid up in cash, $3,000,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 12,500 00
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 2,016,903 00
Interest due and accrued on bond and mortgage loans, 57,268 54
Value of the land mortgaged, 2. 342,100
Buildings; (insured for $1,530.000,) 1,956,100
$4,298,200
Stocks and Bonds oicned by the Cvmpany.
Par Value. Market Value.
TJ. S. and State Stocks : —
U. S. bonds 6's, 1881, 200,000 00 213.250 00
;i 10-40's, 100,000 00 106.500 00
'• 5-20's, 1867, 300.000 00 316,125 00
5-20's, 1865, JSOO.O'iO 00 30S.2M) 00
" 5's, 1881, 1,400.000 00 1.475,250 00
" 6's, currency bonds,.. 500,000 00 51)7,500 00
Mississippi Treasury Warrants,... 20,000 00 20,000 00
Municipal Bosds : —
New York City 6's, 1879, 52,800 00 53.328 00
Brooklyn certificates of indebted. 50,000 00 51,500 00
Bakk Stocks : —
American Exchange Nat, N. Y.... 20,000 00 21,100 00
Hanover " .... 10,0)0 00 10,100 00
Fourth " .... 8,000 00 7,840 00
St. Nicholas " .... 25,000 00 20,000 00
Metropolitan " .... 22.500 00 28,125 00
Merchants Exchange " .... 15,000 00 12,000 00
'-lercantila 20,000 00 10,000 0?
HOME !\Y\Y. 173
M..rkr! Value.
Importerf V... 10,006 oo 19,1 1
■■
i .. S ,l . 17. (i no
. N V 10,1 00 I 12,5
N.Y. 00 i 00
N. Y 20,00 ' 00 27,»
mpany, N*. Y.. LO >0 00
Unit - K 85,000 00
Total |
Par Value. Mark >.t. Loaned.
ink,.... 2,000 00 1,600 00 1,400 00
Contiuei. ll 1,000 00 525 O0 3.">0 00
U. 8 5,000 00 75) - 00000
do Oo
.'. Bank,.. 00 28,0 25.030 00
°° -'" >1 ^30 00
- N it Bank 2.000 00 1,600 OoJ
1,51)0 I 1,515 o l.( 00 00
X Y. <".:;. .V II EL EL K... 2,700 00
.. X. Y 2, 2 750 'i » \
N. Y. '-::. ft Had. EL li.ll. | 00
Lon- : ok 20, 21,507 ) 00
Fulton Bank, Brooklyn S
_ _ _ o.OOO 00
Continental Insurance < 00 8,000 00)
L. & ithern 11. B ,885 47
F. J. . iTille EL EL, " ~. "
O. & Norttmlle li. II 80,000 00 I5,i
I Bank " 6,250 00 5,000 00
00
J Hank 5,000 00 I 00
> 00
•• ,2fi » 00 4,500 00
M 12,816 00"]
I
roe B*nk
P. A.. EL
1 00
the Republic.
ttk,.. 2 I 00
-
City <>'. i oo
174 HOME INSURANCE COMPANY.
Par Value. Market Value. Amt. Loaned.
Morris & Essex R. R. Co.,. 5,000 00 3,750 00 2,000 00
City of B.iyonue Improve.,. 1,000 00 1,010 00 000 00
U. S. 5-20's, 1807 2,500 00 2,7<>9 37)
18(55, 1,000 00 1,053 75)
Honesd.ile Nat. Bank, 700 00 910 00 500 00
United States 5's, 188L. . . 1,000 00 1,053 75 500 00
District of Columbia 3.05's. 75.000 00 50,025 00)
Milwaukee & St. P. consol. 2,000 00 1,895 00)
3,400 00
50,000 00
Total, $175,320 00 $427,098 G2 $31-4,215 47 314,215 47
Cash deposited in bank 161,727 56
Interest due and accrued on collateral loans, 7,943 85
Net premiums in due course of collection, 113 075 33
Assets of the Company at their actual value, $6,109,526 75
III. LIABILITIES.
Losses adjusted and unpaid, 35,596 79
Losses reported and unadjusted, 179,558 60
Losses resisted, 44.066 07
Total, 259,221 46
Deduct re-insurance, 4,825 04
Net amount of unpaid losses, 254,396 42
Unearned premiums on fire risks, one year or less,... 932,222 00
Unearned premiums on risks more than one year, 904,210 31
Amount of uuearned premiums as computed above, 1,836,432 31
Cash dividends to stockholders remaining unpaid, 1,995 00
Total liabilities except capital stock, 2,092,823 73
Capital stock, 3,000,000 00
Surplus beyond capital, 1,016,703 02
Total liabilities including capital and surplus, $6,109,526 75
IV. INCOME DURING THE YEAR.
Premiums received in cash, 2,972,922 06
Deduct re-insurance, rebate, abatements and return
premiums, 241,383 89
Actual cash premiums, 2,731,538 17
From interest on bonds and mortgages, 134,105 78
From interest on loans and dividends on stocks and bonds, 210,608 47
Actual cash income. $3,076,252 42
HOMI IN8URANCK COMPANY. 17.")
v. EXPENDITURES DU&ING Tin: FEAR.
Amount p^i.l foi
earring in pn L,5A8.1A1 ' s
and re-insaranoe 28,618 12
N • . ' fni 1,524, fi!
. •
252,477 90
i iC9 10
All othor p 128 CO
laloaah expenditures $2,8*
VI 1419 VILLANEOUS.
amp.
Eurto
run from 204,174,619 00 1,864,444 00
• th U3 one an 1 n ■ » t move tlmn I
- to ran from date <>f policy 912,J
• than th: ran from
21 no
841 ! ' no
>n of the Company 13,52 ,87(1 54
ice the organization of the Company >l 74
4,315,(1
lirectora ill.
lared 1 ,000,000 00
Loan- Lotoffioera 4:;.i I
I in L877.
taken (no -.. ;
received on same I fiO
28, 190 17
176 HOME INSURANCE OCMPANV.
HOME INSURANCE COMPANY,
Columbus, Ohio.
Commenced Business, January, 1864.
J. B. Hall, President. H. N. Henderson, Secretary.
Attorney in Connecticut.}!. Bennett, Jr., Hartford.
I. CAPITAL.
Capital actually paid up in cash, $250,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 34,500 00
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 77,271 82
Loans on bond and mortgage, (first liens), more than one year's
interest due, (of whicn $6,606.19 is in process of foreclosure), 11,299 88
Interest due and accrued on bond and mortgage loans, 12,1.04 81
Value of the land mortgaged, 209.134 00
Buikhilgs, (insured for $30. 600, 00) 57,106 00
356,240 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States 10-4' i's, registered, . 73.900 00 79.800 00
•' 5-20's, " 19,000 00 20,520 00
Municipal Bonos : —
Columbus City and Township, 13,480 00 13,980 00
Railroad Bonds : —
Columbus & Hocking Valley, 20,500 00 20,500 00
Scioto Valley, 24,000 00 19,200 00
Total $150,880 00 $154,000 00 154,000 00
Loans on Collateral.
' Par Value. Market Value. Arat. Loaned.
Loans on Madison Nat.Bk. }
London, O., & Citizens > 10,300 00 13,700 00 9,775 00
Sav. Bk., Columbus;, O. '
Gov. Bonds, 10-40's, 500 00 540 00 260 66
North Missouri R. R., 1,000 00 1,000 00 463 00
Total. $11,800 OQ $15,240 00 $10,498 60 10.498 60
»MPANY. 177
in bank
•• i L8
ina
lama in dn< »d
•!,•
2 82
La* • - .f th< $4
ui. Li\i;;Lin;
I and unpaid 14.50(1
Loss* land unadjusted 4,000 00
f unpaid losses 00 »>n
turns on ii- I l"»
ika more than < 10,284 95
kboYS : i 6,246 1<>
I liabilities except capital 8took *.' !,?!•; 10
Capital stock 250,<
Surplus beyond capital 65,1
Total liabilities, including capital and surplus
IV. INCOME DT'Kl' VE\K.
Premiums recei h. 289,997 01
i r- ♦urn
premiums 44,961 08
24/>.'
From intc: 2 19
all other -
xsh income *2<;<;,.">77 28
v. EXFENDITUBES DUBIN I THE YEAR.
Amon inolnding I irring in j
vio
Cash divi ■
1 L'. I
All a
ual cahh • -
178 HOME INSURANCE COMPANY.
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year
to run from date of policy, 11,913,950' 00 131,922 30
Having more than one and not more than three
years to run from date of policy, 1,693,145 00 15,820 70
Having more than three years to run from date
of policy, 376,214 00 4,749 20
13,983,309 00 152,492 20
Premiums received since the organization of the Company, 3,797,010 39
Losses paid since the Company organized, 2,694,038 10
Cash dividends paid stockholders, 184,626 60
Stock owned by directors at date, 49,150 00
Loaned to officers and directors, 3,281 13
Loaned to stockholders not officers, , 20,848 31
Business in Connecticut in 187f.
Fire risks taken, (no inland); 188,521 00
Premiums received on same, ., 2,512 53
Losses paid, 1,983 21
HOWARD INSli:.\ MPANY.
HOWARD [NSURANCE COMPANY,
Lpril 19, 1825.
nt. Ohabi.w A. "Bjjuu, Secretary,
Attorney in i • ». B. Fishsb, Hartford.
I. CAPITAL.
Capital actually paid up iu cash |600,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 115,000 00
Loans ou bond and nio: not more than one
due- 41,950 00
Inter' L on bond and mortg 150 !>l
Value of the lands i 1 60,000
Buildings (insured 1 72,000
my.
Valu.\
I : —
I'. - 6 I, o u 200,000 00 241.710 00
l- i] 6 64,12i
: 12,8(
) 00
00
10,12
nix
American I. 16,000 00
- : —
7,210
an
_'l (mi ;,t l( s21 i (j
180 HOWARD INSURANCE COMPANY.
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
American Ex. Nat. Bank,.... 1,400 00 1,484 00 1,300 00
Merchants '" .... 1,000 00 1,180 00 950 00
Total, $2,400 00 $2,664 00 $2,250 00 2,250 00
Cash in Company's principal office, 302 00
Cash deposited in bank, 15,734 00
Interest due and acciT.ed on stocks, , 3,434 93
Interest due and accrued on collateral loans, 74 00
Net premiums in due course of collection, 15,518 43
All other property belonging to the Company, 1.983 33
Assets of the Company at their actual value, $746,518 60
III. LIABILITIES.
Losses reported and unadjusted, 10,645 58
Losses resisted, * 5,000 00
Net amount of unpaid losses, 15,645 58
Unearned premiums on fire risks, one year or less, 75,586 73
Unearned premiums on risks more than one year, 24,214 26
Amount of unearned premiums as computed above, 99,800 99
Balances due agents, 5 63
Total liabilities, except capital stock, 115,452 20
Capital stock, 500,000 00
Surplus beyond capital, 131,066 40
Total liabilities, including capital and surplus, $746,518 60
IV. INCOME DURING THE YEAR.
Fire. Inland.
Premiums received in cash, 191,320 34 118 57
Deduct re-insurance, rebate, abatements
and return premiums, 14,576^62
Actual cash premiums, 176,743 72 148 57 176,892 29
From interest on bonds and mortgages, 3,234 94
From interest on loans and dividends on stocks and bonds, 31,380 93
From rents, .. 2,800 00
Actual cash inoome, $214,308 16
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $4,599.29 occur-
ring in previous years,) 80,136 77
Deduct re-insurance and salvages, 3,719 35
Net amount paid for losses, , ,., 76,417 42
HOWARD INSURANCE COMPANY. 1M
dividends 60,8
dsskms or brokenure 28,106 17
i ;. 4 s
7,214 !»:i
All other payments and expenses ;:; 51
Aetna] cash expenditures $280,878 51
VI. MISCELLANEOUS.
Premiums.
m force having not more than one year to
r to run from date of policy J '.), (130,290 ()() 151,178 17
Haying more than one and not more than three
ran from date of policy 2,S*.)0,f>G4 00 :):',. ]',G G8
g more than three years to run from date of
policy. 717,866 00 10,885 96
28,288,720 00 195,216 11
Premiums received since March 14th, 1886 6,225,228 00
b paid since March 14th, 1836 4,248,118 00
dividends paid stockholders since March 13th, 1886, 1,955,875 00
Stock owned by directors at date 75,950 00
BuritUU in Connecticut in 1877.
Fire riskx taken, (no inland) 1,041,886 00
Premiums received on same, -.,<; 00
Losses paid 3, b<
182 HUMBOLDT INSURANCE COMPANY.
HUMBOLDT INSURANCE COMPANY,
Newark, N. J.
Commenced Business, May, 1870.
E. W. McClave, President. Geo. Brown, Secretary.
Attorney in Connecticut, J. W. Pond, New Haven.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 46,913 04
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 139,097 00
Loans on bond and mortgage, (first liens.) more than one year's
interest due, (of which $13,335 is in process of foreclosure,). ... 34,220- 00
Interest due and accrued on bond and mortgage loans, 9,146 53
Value of the land and buildings mortgaged, 295,200
Buildings, (insured for $133,925.00) 167,400
$462,600
Loans on Collateral.
Par Value. Market Value. Auit. Loaned.
Citizens Gas stock, 625 00 625 00 300 00
Cash in Company's principal office,
Cash deposited in bank,
Interest due and accrued on collateral loans,
Gross premiums in due course of collection,
Rents due and accrued,
Office furniture, ...$2,500 00
Assets of the Company at their actual value, $260,334 61
III. LIABILITIES.
Losses adjusted and unpaid, 8,749 00
Losses reported and unadjusted, 1,220 00
Losses resisted, 4,725 00
300
00
416
40
14,116
23
21
00
15.854
4L
250 00
Net amount of unpaid losses, , 14,694 00
Ill MBOLDT INSURANCE COM! 1
premiums
: premium - mi >re than ... 4,14'
mt of wa computed above ,
All other demands against \\w c^iw
I Liabilities, including capital and surplus.
87,931 54
■ Q 00
60,1!
200,0<
IV. t\ IOME DURING i BOS SHEAR.
-h L07,202 ()"»
• re-insux . lents and i
muds 18,219 29
From ii
11 other sources
Acta
28 52
229 70
V. EXPENDITURES DURING THE FEAR.
Amount paid for I >ocur-
ring in previous years,) 94,476 27
Deduct r< R04 08
amount paid for loss
tisaions «>:• brol
I
93,672 19
32 64
$133,!
VI. MISOELLA1
r t'»
run ( . 5,281 .
g more tl. ,1 ii"t in
ig more tl.
poli< 177,97/5 00
ition of ll • I
Ca*d.
Loa'
• stockholderH i
I [9
.
184 INSURANCE COMPANY OF NORTH AMERICA.
Business in Connecticut in 1877.
Fire risks taken, (no inland), 206, 24G 00
Premiums received on same, 2.621 22
Losses paid, 2,591 37
INSURANCE COMPANY OF NORTH AMERICA,
Philadelphia, Penn.
Commenced Business, 1792.
Charles Platt, President. Matthias Maris, Secretary.
Attorney in Connecticut, C. C, Kimball, Hartford.
I. CAPITAL.
Capital actually paid up in cash, $2,000,000 00
II. ASSETS.
Real estate owned by the Company, unencumbered, 100,000 00
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 1,609,210 00
Interest due on bond and mortgage loans, 33,182 00
Value of the land mortgaged, $3,236,800
Buildings (insured for $974,355),
$3,236,800
Stocks and Bonds owned by the Company.
Par Value. Market Value
U. S. and State Stocks : —
U. S. Bonds, 1881, reg. 6's, 200,000 00 213,000 00
" coupon, 5's... 100,000 00 106,620 00
■new reg. 5's,. 600,000 00 631,500 00
" 5-20's, '65-67, 6's, reg., 100,000 00 101,334 00
Pennsylvania State, 5's, cur 514,400 00 569,698 00
" " 6's, " 24,000 00 26,880 00
New Jersey 6's 54,000 00 59,400 00
Delaware 6's 10,000 00 10,500 00
Connecticut 6's, 1881, 52,000 00 57,200 00
South Carolina con. State loan. 6's, 11.000 00 4.500 00 -
NSUK 0MPAN1 -I'll A.MEUICA.
!-•'■
I
Value. M
a : —
100,000 00 112,000 00
Pittsburgh " 7'a 60,000 00 40,000 00
•; " 7 :;. I 00 61,78
B0,000 00 82,100 00
n u: •• 6'a 50,000 00
25,000 750 00
- 19 000 00 14,170 no
Fall BWei •• 5*8, gold ■ <><> 81,600 00
Toledo *• 8*a 21,000 22,890 00
Hairiabnrg •• 6'a 16,000 00 16,160 <">
Providence " 26,000 00 26,260 00
7-. 20.000 00 21,600 00
I •• 7'a 16,( 00 49,600 00
iton ll 6*a 200,000 00 226,000 00
Williamsport u 6*a 8,000 00 1,800 00
.ton •• 8*a 11,000 00 11.--
Burlington " 8'a 12,000 00
af onto Borough 6'a 6,000 5,100 00
Railroad Bonds : —
1 nnsytoania, 1st mort 6'a 50,000 00 160 00
iranteed,. 25,000 25.760 00
North Pennsylvania 6's, coupon,. 80,000 00 81,650 00
i(m 5,600 00
Lehigh Valley, L 6'a 50,000 00 54,250 00
7*a 25,000 00 28,2
Philadelphia & Beading 7's, reg.,. 5,000 00 5,575 00
•• eon. I Bt mort 78
Pennsylvania con. 1st mort., 6*8,. 100,000 92,000 00
Lehigh V .'".< 00 00 47,250 00
United B B . N. J., reg. I 00 42,840 00
Phila. & Beading Is* mort. loan,. 50,000 00 51,864
Phila., Wilmington A Belto. B9.000 00 40,950 00
■ -
Phil mtown A Norrist'wn 16,000 00
Bank Stocks : —
Ph.: da] 10.00 I 16,700 00
• : —
16,000 00 12,760 00
igh Coal A Q )|()
••
80,000 00
ft\merioan Steamahip ('■ . 00
17,010 00
Wn • 00
I !
N.V 1,0
Mir
; : l i.i
180 INSURANCE COMPANY OF NORTH AMERICA.
Loans on Collateral,
Par Value. Market Value. Amt. Loaned.
Ins. Co. of North America,. 27,050 00 79,797 50 38,045 G2
CatawissaB. R. 6's, 5,000 00 5,200 00^)
Schuylkill Nav. 1882, G's,.... 2,500 00 1,537 50 I
\ ?A 000 00
Harrisburg City 6's, 12,500 00 12,625 00 j oi ' uuu uu
Ins. Co. of North America,.. 10.000 00 29,500 00 J
Philadelphia k Reading R.R. 4,000 00 4,040 00 1,8: 00
Pennsylvania R. R., 1,350 00 895 00 500 00
Pennsylvania R. R., 4,350 00 2,882 00^ 3 000 00
Ins. Co. of North America,.. 500 00 1,475 00 J '
Phil., Ger. & Nor. R. R...... 10,000 00 19.200 00 "^
Pennsylvania R. R 25.000 00 16,562 00 I
Philadelphia City 6X 4,000 00 4,480 00 f ^^ uuu uu
Missouri Corporation, 10,000 00 10,000 OOj
Merchants Life Ins. Co., 2,500 00 2,500 00 350 00
Total, 118,750 00 100,694 00 107,695 62 107,695 62
111 other loans, 30,048 31
Cash in Company's principal office, ) _ r _ . _ C q
Cash deposited in banks, )
Interest due and accrued on stocks, 660 00
Interest due and accrued on collateral loans, 1,020 00
Gross premiums in due course of collection, 333,698 90
Bills receivable, 266,474 08
All other property belonging to the Company, 23,520 25
Assets of the Company at their actual value $6,449,624 15
III. LIABILITIES.
Fire. Marine.
Losses adjusted and unpaid, 10,425 00
Losses in process of adjustment. 51,562 00 246,000 00
Losses resisted, 26,013 00
Total, 88,000 00 216,000 00
Deduct salvage 34,000 00
Net amount paid for losses 88,000 00 212,000 00 300,000 00
Unearned premiums on fire risks, one year or less, .. .$492,871 98
Unearned premiums on risks more than one year, — 492,093 80
Unearned premiums on unexpired marine and inland
navigation risks, 399,926 24
Amount of unearned premiums as computed above, 1,384,892 02
Amount reclaimable by the insured on perpetual fire policies, — 350,212 37
Total liabilities, except capital stock, 2.035,104 39
Capital stock, 2,000,000 00
Surplus beyond capital, 2,414,519 76
Total liabilities, including capital and surplus, . $6,449,624 15
IN8UKAKGI COMPANY OF KORTH AMERICA. 18'
IV. INCOME DURING THE V:
Fire, K. A tad.
imareo ivedin oaah 1,428,919 <>7 2,186,588 <;■-'
Dedaot ra-insnranee, ratal
menta and return premiums 120,222 29 888,16fi
Actual cash premiums I, 1,798 128 40 8,102,125 18
for pramiums remaining unpaid, f266,474 08
From interact on bonda and mortgages 78,4'
From int. ins and dividends on d bonds 612 40
l all other sooraea, 26? 98
Deposit premium received for perpetual fire risks (10,007 86
Actual cash income
V. EXPENDITURES DURING THE YEAR.
Fire. M. A In.
Amount paid fo . 714,080 53 1,771,826 82
Deduct re-insurance and 1 87 175,865 89
Net amount paid for losses,... 708.793 L6 1,695,460 93 2,299,254 09
Cash dividends, 400,000 00
Paid for eotnn . 9, 889,759 12
Pail or allowed for - • 127,443 44
87,370 27
All other payments and < 133,1
Deposit premiums relumed on perpetual fire ri |9,739 h;
•ash expenditures, 98,437,485 51
VI. MISCELLVNI'
Preraiume.
Risks in force having r to
rnnfron 82,409,266 00 985,748 97
Having more than oi i more t:
> run from lioy 471,855 if,
■i run from date of
policy ,470 00 480,371 17
Peri. 12,95
164,884,948 00 2,806,114 90
M. &. In. tuns.
899,926 24
Premiums reos >n of the Company 71,(
56 24
845 <;-'
ctieut in I
:isks take,
Preu.. ved on MSB
188 ' IKVING INSURANCE COMPANY.
IRVING INSURANCE COMPANY,
New Yoee City*
Commenced Business, April 30, 1872.
Martin L. Crowell, President. James M. Wilson, Secretary,
Attorney in Connecticut, A. E. Dudley, New Haven,
I. CAPITAL
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens), not more than one
year's interest due, f>5,600 00
Interest accrued on bond and mortgage loans, 324 34
Value of the land mortgaged, $71,000 00
• Buildings, (insured for $57,550), 70 000 00
$141,000 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
U. S. registered, 1904, 160,000 00 170,000 00
" coupon, 1904, 25,000 00 20,875 00
11 registered, 1885, 15,000 00 15,431 25
Total, $200,000 00 $212,906 25 212,906 25
Loans on Collateral.
Par value. Market value. Amt Loaned.
Chi. & AltonR.R., pref.,... 10,0000 00 10,000 00 6,000 00 6,000 00
Cash deposited in Bank 2,017 20
Interest due and accrued on collateral loans, 41 11
Gross premiums in due course of collection, 5,933 43
Assets of the Company at their actual value, $282,822 33
III. LIABILITIES.
Losses adjusted and unpaid, ' $2,005 70
Losses reported and unadjusted, 250 00
Losses resisted, 1.000 00
Net amount of unpaid losses, 3,255 70
IKVINC INSURANCE COMPANY. 189
ned promiom8 on fire riska, one yearor leea,...
tied premiama on riaka more than one year
mpnted above^.
Due in
All other demandi the Oompany
p| capital, stock,
Surplus beyond oapital
.
7^7
48,
80
■.«»<
00
89, L69
53
.1 liabilities including capital and surplus
IV. INCOME DUBING THE YEAK.
Premiums received in cash 80.017 49
Deduct re insurance, rebate, abatements and return
premiama, 4,041 99
Actual c tan p remiums 76,975 50
From interest on bonds and mortgages, 4,277 7 !
From interest on loans and dividends on stocks and bonds 11,090 4.~>
Actual cash income $91,843 69
V. EXPENDITURES DUBING THE YEAR.
Amount paid for losses. (including $1,617.83 occur-
ring in previous years) $42,853 49
Deduct re-insurance, 20 L'l
Net amount paid for losses, 42,333 28
Cash dividends,
Commissions or brokerage l < >, 4 95 C8
Salaries and fees. 14,100 00
Taxes OGL 49
All other payments and expenses 11,28
Actual cash expenditures, $104,
VI. MIS !ELLANE
in force having not more than one year
iunfrornw 2 00 719 24
Having more than one and not more than three
ran from date of policy 16 00
i date of
policy, i:. i...
76.7i
ved since the o
tee the organisation
Cash
Stock
190 LAMAR INSURANCE COMPANY.
Business in Connecticut in 1877.
Fire risks taken (no inland), 280,405 00
Premiums received,. 3,079 20
Losses paid, tt 2,292 32
LAMAR INSURANCE COMPANY,
New Yoke City,
Commenced Business, April 3, 1872.
Isaac NT. St. John, President. Wm, R. MacDiakmid, Secretary.
Attorney in Connecticut, Silas Chapman, Jk., Hartford.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens,) not more than one
year's interest due, 77,400 00
Value of the lands mortgaged, 49,500 00
Buildings, (insured for $77,400,) 117,500 00
$167,000 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks: —
U. S. bonds, 6's, 1881, 35,000 00 37,450 00
5-20's, 18(55, 75,000 00 77,550 00
5-20's, 18U7, 145,000 00 153,700 00
Bank Stocks : —
National Bank of the Republic,... 3,700 00 3,330 00
of Commerce, 4,000 00 5.C40 00
St. Nicholas National, 7,500 00 G,750 00
To tal, $270,200 00 $283,820 00 283,820 00
LAMAR INSURANCE COMPANY. 191
' - ral.
Vain •. Mark t N.ti u--. Ami Loaned.
Mechanics Bk. Brooklyn. 800 00 DOC 700 00
lard Fire Ens. Co.,.. 2 L50 00 2,709 00 2,00<
11 2,600 I 8,276 00 2,600 00
Long bland Bank, 2,4 <> 00 2,4 ><■ 001 {
onty Bank 2,000 00 I I ">
Total $9,950 00 $11,745 00 $9,300 0,'u
Oaah in Company's principal office >5 80
I leposited irj Bank, 12,704 77
- premiama in due course of collection, 10,890 ( 6
Bills receivable 835 00
Assets of the Company at their actual value, $398,305 18
III. LIABILITIES.
Losses reported "and unadjusted, 3,000 00
- resisted, 1,300 CO
Net amount of unpaid losses, 4,000 00
Unearned premiums on five risks, one year or less 59,157 66
Unearned premiums on risks more than < 5.950 20
Unearned premiums on inland navigation risks 324 70
Amount of unearned premiums as computed above 65,432 68
All other demands against the Company, 1,068 33
Total liabilities, except capital stock 71,386 01
Capital stock 200,000 00
Surplus beyond capital, 126,919 12
Total liabilities, including capital and surplus, £3'JS,305 13
IV. INCOME DURING THE YEAR.
Fire. Inland.
Premiums received in cash 139,671 59 46,514 4t
Deduct re-insurance, rebate, abatements
and return preminrns, 9,838 47 8,035 80
129,833 12 38,478 • • I 168,811 78
I d for preiniui:
d 126 00 710 00
Is and mortgages 1,608 82
From interest on loans and dividends OD stocks and bondfl 17..' :
Actual cash income, $190,400 11
v. EXPEND! 1 DBE8 DURING THE JTEAB.
Fir.-. Inland.
$11,-
i:»l .". i 1,941
I amount pail for losi 512 17 17.-77 <;» 107.1
192 LAMAR INSURANCE COMPANY.
Cash dividends, 20,000 00
Commissions or brokerage, 18,752 12
Salaries and fees, 18,341 67
Taxes, 1,933 18
Ail other payments and expenses, 17,036 49
Actual cash expenditures, $ 183,453 57
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, '.$10,768,112 00 118,315 32
Having more than one and not more than three
years to run from date of policy, 806,901 00 8,330 82
Having more than three years to run from date of
policy, 253,837 00 3,591 77
1,828,850 00 130.237 91
Inland. Premiums.
45,600 00 649 52
Premiums received since the organization of the Company, 1,078,542 22
Losses paid since the organization of the Company, 577,326 92
Cash dividends paid stockholders,.. 80,000 00
Stock owned by directors at date, 51,600 00
Loaned to officers and directors, - 2,600 00
Loaned to stockholders not officers, 2,000 00
Business in Connecticut in 1877.
Fire. Inland.
Fire and inland risks taken, 216,083 00
Premiums received on same, 3,520 37
Losses paid 7,738 39 125 81
LBN02 FIRE LN8U RANCH COMPANY. I'. 1 :;
LENOX FIRE INSURANCE COMPANY,
Yobs Oitt.
Oommenoed Badness, April 21, 1853.
Geo. a. J.\i;vis. President. AiuHT-n N. Walton, Secretary.
Attorney in Connecticut < C. W. Shelton, New Haven.
I. CAPITAL.
Capital actually paid up iu cash, $150,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens,) not more than one
.. s interest due IC.fi
Interest due on bond and mortgage loans 507 tHi
Value of the lands mortgaged, 20,000 00
Buildings (insured for $19,000.00), 19,000 00
00 00
Stocks and Bonds owned by the Company.
I'ar Value. Market Value.
I'. s. Stocks :—
U. S. Bonds, 1881, registered,.... 32,000 00 34,160 00
Is, " .... 68,0 ■') 00)
iO.MOO ()0>
121,540 00
DS : —
Kin-- County Bonds 13,000 00 13,808 53
I
>re & Michigan Southern, 10,000 00 10,900 00
: —
Bab. & B [em. l>ds., 4,000 oo 4,000 00
il $177,00 8 58. 16
Loans <> I ral.
Atlantic D 00 27,500 00 I
500 00 2,5 i
Citiz •• .... 2,880 I 00
..
. . |,6< 00
Esns •• ... 680 00 l. '-'-'» 001 j (M| ,
24,
194
LENOX FIRE INSURANCE COMPANY.
Cash in Company s principal office
Cash deposited in banks,
Interest due and accrued on stocks,
Interest due and accrued on collateral loans,
Net premiums in due course of collection,
Assets of the Company at their actual value,
110 39
3,965
50
112
<;o
217
10
5,238
99
$235,055
73
III. LIABILITIES.
Unearned premiums on fire risks, one year or less, — 22,985 17
Unearned premiums on risks more than one year, 3,036 05
Amount of unearned premiums as computed above,.
Due and accrued for salaries, &c,
Total liabilities, except capital stock,
Capital stock,
Surplus beyond capital,
26,021 22
1,100 00
27,121 22
150,000 00
57,934 51
Total liabilities, including capital and surplus, $235,055 73*
IV. INCOME DURING THE YEAR.
Premiums received in cash, 56,181 63
Deduct re-insurance, rebate, abatements and return
premiums, 8,020 51
Actual cash premiums,
From interest on bonds and mortgages,
From interest on loans and dividends on stocks and bonds,
Actual cash income,
48,161 12
1,067 50
12,923 80
562,152 42
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $121.22 occur-
ring in previoiis years) 20,485 20
Deduct salvage and re-insurance, - 203 57
Net amount paid for losses,
Cash dividends
Commissions or brokerage,
Salaries, fees, and other office and agency expenses,
Taxes
All other payments and expenses,
Actual cash expenditures,
20,281 63
15,000 00
4,099 03
13,049 88
048 32
9,396 74
$62\475 00
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, $7,402,780 38 47,012 07
LORILLARD INSURANCE COMPANY 196
Having more than one and not more tbnn three
ran from date of pojioy 860,462 50 8,842 :»i
Having more than t! Lo run from date of *
of policy, 180,126 00 2,153
7.*» 4::,:>7.i 88 7 56
Premiums received since the organization of the Company 1,405,564 86
s paid sinoe the organization of the Company
Cash dividends paid stockholders,
rwned by directors at date
Butineasin Connecticut in is;?.
Fire risks taken, (no inland),
Premiums received on same,
Losses paid,
600
8fi
298,500 00
49,976
00
72,460
i o
7i»4
11
L\4 7f.
82
LORILLAUD INSURANCE COMPANY,
New York City.
Commenced Business. January, 1872.
Cjlblisle Norwood, Prcii John C. Mills, Secretary
Attorney in Connecticut, L. W. Spbbbt, New Haven.
I. CAPITAL.
Capital actually paid up in cash, $300,000 00
II. ASSETS*
1 and niort not mere than one
00 no
Inter- don bond and mortgage loans, lv_".»_' 00
Vulue of build, -
I n >;.
Pai Vain " t Value.
I . - .—
Qui
196 LORILLA.RD INSURANCE COMPANY.
Par Value. Market "Value.
United States 5-20's, 1867, coup.. 75,000 00 81,375 00
* " ' ; 1865, new,. 31,500 00 33,153 75
Railroad Bonds : —
Lake Shore & M. S. 1 st nitg 26,000 00 28,675 00
Total, ....$232,500 00 $2-19,266 25 249,266 25
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Chatham National Bank, . 3,000 00 3,600 00^ 4 00 00
Oriental National Bank,... 1,000 00 1,500 00) '
Metropolitan Gas Co., 5,000 00 6,500 00 5,000 00
Manhattan Life Ins. Co.,. 1,800 00 9,000 00 3,700 00
Union Trust Co., 10,600 00 11,130 00 10,000 00
Western Union Tel. Co.,.. 50,000 00 38,750 00)
N. Y. N. H. & Hart. R. R. 10,000 00 15,000 00> 42,000 00
New Jersey Steamboat Co. 3,000 00 3,000 Oo)
United States 6's, 1881 8,400 00 9,000 0Q.)
Chicago, R. I. & Pacific,.. 3,000 00 3,900 00 J
New York City bonds, 2,000 00 2,000 00 1,500 00
11,000 00
Total, $97,800 00 $103,380 00 $77,200 00 77,200 00
Cash in Company's principal office, 076 77
Cash deposited in bank, 22,835 11
Interest due and accrued on collateral loans, 2,851 55
Gross premiums in due course of collection, 12.-577 11
Assets of the Company at their actual value, $441,298 79
III. LIABILITIES.
Losses reported and unadjusted, 2,110 00
Losses resisted, 3,150 00
Net amount of unpaid losses, 5,260 00
Unearned premiums on fire risks, one year or less,...$ 36,738 36
Unearned premiums on risks more than one year,.... 16,838 70
Amount of unearned premiums as computed above, 53,577 06
All other demands against the Company, 1,908 21
Total liabilities except capital stock, 60,805 27
Capital stock, 300,000 00
Surplus beyond capital, I... 80,493 52
Total liabilities including capital and surplus $141,298 79
IV. INCOME DURING THE YEAR.
Premiums received in cash, 139,060 G6
Deduct re-insurance, rebate, abatements and return
premiums, 24,457 28
Actual cash premiums, ,. 114,603 36
LORILLARD INSURANCE COMPANY. L97
From interest on bonds and mortgages 1,087 82
From interest on lo:uis and dividends on stocks and bonds 19,223 ('7
Actual cash income $137,864 27
V. EXPENDITURES DURING THE YEAH.
Amount paid for losses, (including $2,820.00 occur-
ing previous years.) 54,960 99
Deduct salvages and re-insurance 1,485 45
Net amount paid for losses, 63, 525 54
lividends 30,000 00
.dssions or brokerage, 17,589 46
8a 1 ariea and fees, 2( >,830 00
Taxes, 8 361 07
All other payments and expenses, 14,719 99
Actual cash expenditures, $145,026 06
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 11,300,809 00 73,470 72
Having more than one, and not more than three
s to run from date of policy, 1,725,044 00 20,223 94
Having more than three years to run from date of
policy, 1, 010,700 00 13,222 47
$1 1.036,613 00 106,023 13
Premiums received since the organization of the Company 1,062,883 00
gp lid since the organization of the Company, 451,595 00
Cash dividends paid stockholders, 141.000 00
Stock owned by directors at date, 104,500 00
Lomedto officers and directors., 10,000 00
Loaned to stockholders, not officers, 69,700 00
lbixiness in Connecticut in 1-77.
Fire risks taken Cno inland,) 595,951 00
Premiums received on same 4,132 C8
Losses paid,
198 MANUFACTURERS INSURANCE COMPANY.
MANUFACTURERS INSURANCE COMPANY,
Newark, N» J.
Commenced Business, August 1, 1873.
Geo. Wilkinson, President. D. Smith Wood, Secretary.
Attorney in Connecticut, C, C. Kimball, Hartford.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Ileal estate owned by the Company unencumbered, 33,216 65
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 160,800 00
Loans on bond and mortgage, (first liens) more than one year's
interest due, (of which $4,000.00 is ia process of foreclosure), . 6,000 00
Interest due and accrued on bond and mortgage loans, 4,959 08
Value of buildings, (ins. for $L19,500,) 382,900 00
Stocks and Boyids owned by the Cvmpany.
Par Value. Market Value.
Municipal Bonds : —
City of Hah way,
2,000 00
2,000 00
Railroad Bonds : —
Newark & Bloom. Street Railway,
1,500 00
75C 00
Bank Stocks : —
Manufacturers National,.
12,700 00
11,430 00
2,000 00
1,500 00
Total,
. $18,200 00
on Collateral.
$15,080 00
Loans
Par Val
ue. Market Val
le. Amt. LoaDed.
City of Rah way Bonds,
. 7,000
00 7,000 00
5,588 70
Celluloid Mfg. Co.,
. 1,000
00 1,500 00
800 00
Manufaturers Nat. Bank....
500
00 450 00
335 00
"
. 1.400
00 1,260 00
900 00
(i
. 8,000
00 7.200 00
6,200 00
"
500
00 450 00
105 00
15,680 00
MANUFACTURERS INSURANCE COMPANY. 1**1*
\ Jne. Amt, Loan* «i.
R. 2,500 00 3,060 00 2,750 00
; rust Oo . V ^ ''•." ,1 I 00 7,0< 00 4,500 00
idd'nal coll., 4,600 00
H °** "■ Tex " I 1,500 00
Mortgage as additional oolL, 4,500 00'
I M.»r. ool). fox call loan 4,000 00 I L,000 00
► 00 7,000 00 8,000 00
1 12,678 7"
in Company's principal office 1,928 ~>\
ok 12 <»;;
.1 Loans
ins in dne course of collection 19,674 18
Bills receivable 978 28
Assets of the Company at their a -mil valne 1(300,116 "»l
III. LI.VRIUTI!
: and anpaid I
I and unadjusted, 5,22-1 00
1,500 I <>
f unpaid losses 10,793 I.'.
Unearned premiums on fire risks, one year or less,... 59,846 80
Unearned premi >re than one year 1 2,120 22
Amount of unearned premiums as computed above, 71,967 03
Due and to become due. money reserved from bond and mortg. . 700 00
Liabilities except capital stock B3,460 46
Capital stock 200,1
Surplus beyond capital, 16,6;
& liabilities including capital and surplus t 800,116 5]
IV. INCOME DURING l BE JTEAE.
iums reoenred i] 162,972
Deduct re-i:. rebate, abat
premiums, 28,470 05
502 31
ining unp
n Is and m i I. -
- . .
i to
V. DURING THE TEAR.
I to
200 MANUFACTURERS INSURANCE COMPANY
Cash dividends,
Commissions or brokerage,
Salaries and fees ,
Taxes,
All other payments and expenses :
Actual cash expenditures,
VI MISCELLANEOUS.
14.000
00
29,
773
74
9,882
26
3,
594
99
9,
705
47
161
893
87
Premiums.
Risks in force having not more than one year to
run from date of policy, 10,196,317 00 119,693 61
Having more than one and not more than three
years to run from date of policy, 1,505,67)3 00 17,403 00
Having more than three years to run from date
of policy, 363.360 00 5,141 58
12,065,330 00 142,298 19
Premiums received since the organization of the Company, 516,451 78
Losses paid since the organization of the Company, 208.647 81
Cash dividends paid stockholders, 47,025 42
Stock owned by directors at date, 132,900 00
Loaned to directors, , 27,788 70
Loaned to stockholders not officers, 2,750 00
Business in Connecticut in 1877.
Fire risks taken (uo inland,) 213,938 00
Premiums received on same. 2,609 33
Losses paid, 2,709 85
MANHATTAN FIRM IN8URANCM COMPANY. 201
MANHATTAN FIRE INSURANCE COMPANY,
ry.
Commenced Business, March 81, 1872.
Andrew J. Smith. President. Louis K. Cai: Uiry.
Attorney in Connecticut, Silas Chapman, Jr., Hartford.
I. CAPITAL.
Capital actually paid up in cash $250,000 00
II. ASSETS.
Real Estate owned by the Company unencumbered 1 1,515 4."!
Loans on bond and mortgage, (first liens,) not more than one
• dae 190,7!
Interest due and accrued on bond and mortgage loans. 6, '_':'. I »,l
Value of buildings, insured for $185,350), $+29,30 > 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
-cks : —
United States Curre 100,000 00 120.000 06
10-40*8 100,000 00 10
L< 00
- :li Oarolin 20,000 7,000 00
Rail:. : —
i 1,100 00
- : —
N. V. Mutual 15, 15,625 00
tal lb 00
*
00 J
].<;<*! <-ii
7«.0 00
202 MANHATTAN
FIRE
INSURANCE
COMPANY.
Par val
lie.
Market value.
Amt Loaned.
Phenix Ins. Co., Brooklyn...
1,600
00
2,500 00
1,400 00
Lamar " N. Y.,
2,000
00
2,200 00")
Hoffman " " .
1.000
00
1,100 00 |
Lenox " "
1,000
00
1.200 00 }
5", 000 00
Atlantic " "
1,500
00
1,000 00 I
Lorillard " "
1,500 00
1,000 .00^
United States Bond, 1881,....
1,000
00
1,150 00
500 00
N. Y. Eeonom'l Print'g Co.,
1,000 oo
1,500 00 )_
1,000 00
Phenix Ins. Co
250
00
400 00)
United States 5-20 Bond,
1,000
00
1,070 00
350 00
Howard Ins. Co. , N. Y. ,
:y>50
00
3,850 00
3,000 00
N. Y & New Haven li. it.,...
1,000
00
1,500 00>
2,200 00 f
2,375 00
Central Pacific Gold Bonds,.
2,000
00
xlelief Fire Ins. Co.,
500
00
500 00
400 00
Brooklyn Water Loan Bond,
1,000
133,350
00
00
1,000 00
700 00
$24,925 00
Total, 1
$40,750 00
24,925 00
Cash in Company's principal
Cash deposited in Bank,
office, .
10,573 34
85,222 49
Interest due and accrued on
stocks, .
960 00
Interest due and accrued on
collateral lo
se of collec
ans
581 25
Gross premiums in due cour
Bills receivabl e,
tion,
76,747 94
11,889 94
6 240 47
v at their actual value
Assets of the Comcan 1
$793,239 05
III. LIABILITIES.
Losses adjusted and unpaid, 15,156 92
Losses reported and unadjusted, 28,595 00
Losses resisted, 12,500 00
Net amount paid for losses, 56,251 92
Unearned premiums on fire risks, one year or less,.... 223,033^65
Unearned premiums on risks more than one year, 43,778 67
Unearned premiums on inland navigation risks, 2,463 25
Amount of unearned premiums as«computed above, -. 269,275 57
All other demands against the Company, 9.707 20
Total liabilities except capital stock, 335,234 69
Capital stock, 250,000 00
Surplus beyond capital, ; 208.004 36
Total liabilities including capital and surplus, $793, 239, 05
MANHATTAN FIKE INSURANCE COMPANY. 208
IV. INCOME DUBIN I THE ZEAB
Fiiw .lid.
Premiums] in oash $660,900 9-1 $148,881 58
Dedoot re-insuranee, rebate, abate-
ments and return preminma 53,683 40 62,878 51
Aotual oash premiums $607,217 54 $81,503 07 688,720 01
From interest on bonda and mortgages 11,064 82
interest on Loans and dividends on stocks and bonda 20,435 76
Prom rents 1,100 00
Actual cash income $721,321 11)
V. EXPENDITURES DURING THE YEAR.
Fire. Inland.
Amount paid for losses (includ. $24,-
'.00 occurring in previous 110,095 55 65,985 50
Deduct salvage and re-insurance, 1,925 94 36,579 0-4
N-t amount paid for losses 408,16961 49,40592 457,57558
- 00 00
Commissions or broki 98,659 11
Salaries and fees 122 '. 6
16,613 48
Ail other payments and expensea -■•' 34
Actual cash expenditures $738,538 42
MISCELLANEOUS.
Pieiniums.
id force having not more than one year to
run from date of policy 34,703,628 00 446,067 20
Having more than one and not more than three
run from date of policy. 1,518,778 00 14,499 ."-l
Having more than thi to run from date of
policy 4,494,879 00 543 22
40,717,285 00 500, H
Inland. Premiums.
1,978, 4,95
miumsrecei in of the Company 8,599,144 61
1. nes paid since the organization of the Company 1,978,861 87
. ., 170.(100 00
Stock owned by direc te
• I.".,s75 00
B4 1,640 00
me 1L~-
'7 92
204 THE MERCHANTS FIRE INSURANCE COMPANY.
THE MERCHANTS FIRE INSURANCE COMPANY,
Newark, N. J.
Commenced Business, April 18. 1858.
StDAS Merchant, President. Henry Powles, Secretary.
Attorney in Connecticut. W. C. AtwAter, Birmingham.
L CAPITAL.
Capital actually paid up in cash, $400,000 00
II. ASSETS.
Keal estate owned by the Company unencumbered , 110,820 05
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 376, 2£0 00
Loans on bond and mortgage, (first liens), more than one year's
interest due, (of which $8,275.00 is in process of foreclosure), 15,075 00
Interest due and accrued on bond and mortgage loans, 12,6G7 49
Value of the land mortgaged, 469,625 00
Buildmgs, (insured for $461.550.00) 553,800 00
1,023,425 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
U. S. 5-20 s, 1865, coupons, , 45,000 00 46,237 50
" 1867. coupons, ;. . 40.500 00 52,098 75
•' registered, 1865 .... 50,000 00 51,375 00
1881; 60,000 00 63,900 00
Municipal Bonds : —
Newark City, ... 100,000 00 110,000 00
Elizabeth City, 25,000 00 23,750 00
New Brunswick Water, 2,800 00 2,800 00
Miscellaneous : —
Long Branch School, 15,000 00 15,00000
East Orange street improvement. . 22,000 00 22,440 00
Total, $369,300 00 $387,601 25 387,001 25
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Merchants Nat. Bank, 3,000 00 2,700 00) 3 900 00
American Trust Co., 2.000 00 1,500 00)
11 " 5,000 00 3,750 00) - 000 (; n
Newark City Ice Co., 2,500 00 2,5<
4,500 00
:>,<:<)<> 00
2,000 00
'NIK MERCHANTS FIKK INSURANCE COMPANY.
Value. Market Value, Ann Loaned.
Newark City Ice Co l". 1 00 00 10,000 00 7,600 00
mica Nat Bank 6,000 00 9,250 00 5,000 00
y [oe Co 5,000 <» I 5,000* l
1,000 00 1,000 00)
Bank 5,000 00 9,250 00 5,000 00
I Co 4,130 00 2,005 I 0>
agbl Co 1,000 00 1,080 »>
■ 00 00 675 00
rioan Trust Oo 5,000 "<> 8,750 00 2,500 00
id National Bank 1,500 00 2,025 00 1,500 00
North War.: b 1,8 I 1,01 750 00
rk A N. Y. K. B 1,600 00 4,600 I
County Nat Bank,... 1,600 00 2,160 I <>>
Co 2,600 00 2,600 I 0)
Mutual lienefit Ice Co 290 I 290 00>
Merchants Nat Bank 6,000 00 6,400 00 4,500 00
American Trust Co 10,000 00 7,600 00 5,000 00
1,000 00
2,000 00
Total $77,620 00 $78,270 00 $ 53,825 00 53,825 00
in Company's principal office 8,343 74
in bank 38,350 42
Interest due and ac sroed on Btocks 7,666 98
ie and aoorned on collateral loans, 1,020 64
- premiums in dne course of collection 83,416 82
due and accrued 225 00
Premiums over three months due and unpaid, ($3,730.96 not in-
cluded, i
Km tfl >f th-- Company at their actual value $1,045,291 :'.'.»
III. LIABILITIES.
9 adjusted and unpaid 4,853
I and unadjusted 12,568 87
6,206 78
Net amount of unpaid losses
Uneav: turns on D ne year or less,.., 172,428
Unearned premiums on risks more than one year, ... <;
on inland navigation risks 1,862 98
Unearned premiurj
570 00
Prin ■ - 5,68 1 00
lue and declared rein paid 18,916 28
.. J ! 7
ik,
!
pita]
rve fund r<
hiding ca]
205
THE MERCHANTS FIKE 1NSUHANCE COMPANY
IV. INCOME DURING THE YEAR.
Five. Inlaid.
Premiums received in cash, 433,192 31 6,934 72
Deduct re-insurance, rebate, abatements
and return premiums, 40.445 69 3,142 53
Actual cash premiums, 392,746 62 3,792 19
From interest on bonds and mortgages,
From interest on loans and dividends on stocks and bonds,
From rents,
396,538 81
28,S83 99
24,045 79
2,744 05
Actual cash income, $451,712 64
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $30,411.20 occur-
ring in previous years,) 198,900 11
Deduct salvages and re-insurance, 7,822 02
Net amount paid for losses.
Gash dividends.,
Interest paid to scripholder.s, ...
Scrip or Certificates of profits redeemed in cash,
Commissions or brokerage ,
Salaries and fees, ;
Taxes, ,
All other payments and expenses,
191.078 09
36,000 00
5,707 76
13.818 66
71,105 69
29,548 74
7,658 79
42,320 82
Actual cash expenditures, $397,238 55
VI. MISCELLANEOUS.
To Policyholders.
Scrip dividends declared to date, 276,425 00
Deduct amount redeemed in cash, 211,058 00
Balance of scrip dividends,
Scrip deliverable not actually delivered,
65,367 00
9,995 00
Risks in force having not more than one year
to run from date of policy, 42,678,906 00
Having more than one and not more than three
years to run from date of policy 6,578,007 00
Having more than three years to run from date
of policy 3.231,029 00
Perpetual risks in force and interest premiums. 22.300 00
52.510.242 00
Inland.
305,857 00
Premiums received since the organization of the Company...
Losses paid since the Company organized,
Cash dividends paid stockholders,
Premiums.
344,857 64
72,694 91
43,840 19
42 00
461,434 74
Premiums.
3,705 86
2,902,349 25
1.124,519 72
192.219 63
INT8 |N8UKA] Mlw.w. 207
Btook own< il by directors al >1 it «>. 7 1,. ".."(> 00
Loam re and directors 10 % Vi
k dividends declared 240,000 00
^holders n< DO 00
in l ^77.
Fiiv o, (no inland) 1,026,870 44
Preminms me 11,2!
1 1 i, 1 1 > 7:<
MERCHANTS [NSURANCE COMPANY.
Pbovtdenojb, EL T.
Commenced Business, June, 1851.
Walteh Pains, P Charles Foster, Secretary.
At! </. William R, Cbahz, Hartford.
I CAPITAL.
! i $300, (H >0 00
II. ASSETS.
-on bond and morl r liens,) not more than i
yet< i I |
tnd mortgaged I no
Btnldingt 40,000 00
$140,000 00
mdi own*
rj.fi
■ tanmera SO, 74,4
208 MARCH ANTS INSURANCE COMPANY.
Par Value. Market Value.
American National, 50,000 00 46,000 00
Merchants ' ; t 20,000 00 22,200 00
Globe " 10.000 00 10,000 00
Phenix ; ' 10,000 00 15,000 00
Mechanics " 12,850 00 16,705 00
Manufacturers National, 10,200 00 13,158 00
Miscellaneous : —
Providence Gas Co., 23,350 00 28,020 00
Delaware & Hudson Canal Co.,,... 6,600 00 3,432 00
Total $243,000 00 $2-19,090 00 219,990 00
Cash in Company's principal office, 725 93
Cash deposited in bank, t 54,837 72
Interest due and accrued on stocks, 3,630 33
Net premiums in due course of collection, r 11,101 35
Assets of the Company at their actual value, $360,995 Gd
III. LIABILITIES.
Losses adjusted and unpaid, 8.152 00
Losses reported and unadjusted, 7,214 00
Losses resisted, 5,310 00
Net amount of unpaid losses, 20,676 00
Unearned premiums oa fire risks, one year or less, 66,332 22
Unearned premiums on risks more than one year, 23,114 55
Amount of unearned premiums as computed above,
Total liabilities, except capital stock,
Capital stock,
Surplus beyond capital,
89,446
77
110,122 77
200,000 00
50,872 89
Total liabilities, including capital and surplus, .' $360,995 66
IV. INCOME DURING THE YEAR.
Fire. Marine.
Premiums received in cash, 182,827 09 977 f>2
Deduct re-in=urance, rebate, abatements
and return premiums, 20,231 23
Actual cash premiums, 162,595 86 977 52 163,573 38
From interest on bonds and mortgages, 2,419 42
From interest on loans and dividends on stocks and bonds, ...... . 17,077 45
Actual cash income, $183,070 25
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $17,551.10 occur-
ring in previous years,) 111,455 10
Deduct salvage, 242^23
Net amount paid for losses, 111,212 87
MERCHANTS IN8URANCK COMPANY. 209
24,<
aissiona or brok< 878 28
B 14,8'
6,11
ml oaah expenditarea * $1
VI. MIS< ELLANEOUS.
Premiums.
in force b mora than one yenr to
year to ran from date of policy 10,894,505 00 182.664 44
1 not more than three
* to ran from date of policy 2,812,909 00 28,154 56
Having more than tl. to ran from date of
policy. 884,177 00 11,818 77
18.591,691 00 172,684 76
Premioma reoaWed unoe the organization of the Company, 8,793,626 05
1. — •. i. I since the organization of the Company. 2,711,211 94
808.000 00
. direotora at data 45,550 00
But I ' f in 1877.
taken, (no 768,771 00
Premiums received on same 9,504 52
- paid 10,680 84
27
210 NhW UAiMPSHJKE INSURANCE COMPANY
NEW HAMPSHIRE INSURANCE COMPANY,
Manchester, N. H.
Commenced Business, April, 1870.
E. A. Straw, President. John C. French. Secretary.
Attorney in Connecticut, J. G. North, New Haven.
I. CAPITAL.
Capital actually paid up in cash $250,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 58,696 29
Stocks and Bonds owned by the Company.
Par Value, Market Value.
U. S. and State Stocks : —
United States Gov. bonds, 100,000 00 105,475 00
State of New Hampshire, 6's, I4,0f0 00 15,820 00
Municipal Bonds : —
City of Manchester, N. H., 6's,... 44,500 00 47,170 00
" St. Louis, 6's, 17,000 00 17,510 00
" . Chicago 7's, 10,000 00 10,700 00
" Cleveland 7's, 20,000 00 20,500 00
" Toledo, 7's 7,000 00 7,000 00
•' Concord, N. H., 6's, 2,000 00 2.100 00
" Marietta, Ohio. 8"s, 10.000 00 10,500 00
" Zanesville. Ohio, 8's 10,000 00 10,500 00
Marion Co. Ind. Court House, 8's 25,V0i> 0!) 2(5,500 00
Hillsboro County, N. H.. 6's, 5,000 oo 5.100 00
Railroad Bonds : —
Michigan Air Lir,e. 8's, 10,000 00 0,000 00
Maine Central. 6's, 10.000 00 9,000 00
Cheshire. 0*s, : 13.000 00 12.870 00
OLicag. Burlington & Quinoy, 7's. 14,000 00 15,330 00
Burlington & Missouri River. 7's. 10,000 00 1(1,950 00
Jackson, Lansing & Saginaw, 8's, 10,000 00 6.500 00
Burlington & M. R. Neb. 8's 15,000 Oo 16,500 00
Baidroad Stocks : —
Suncook Valley, N. H 4,ooo oo 4,000 00
Bank Stocks : —
City National, Manchester, 5,000 00 5,000 00
Total, $355,500 00 $365,025 00 365,025 Oo
NKW HAMP8II1KK IN8UHANCK COMPANY. 21]
- in Collateral.
Par Value. Market Value. Ami. Loaned.
fcfanohes. A Lawrcu •• R EL, 5,000 00 6.250 00 5,000 00
Amoakeag National Bank,... 1 ,000 00 1,250 00 1,000 00
National [Bank 900 00 300 00 00
United SUtes Bonds, 6's 500 00 500 00 100 00
City of Uambri I 00 1,040 00 1,000 00
r.P.l bymort. 8,000 00 6,000 00
00 5,160 00 5,000 00
$13,400 00 $23,090 00 $19,200 00 19,200 00
in Company's principal offiee, 3,472 00
in bank 28,561 96
•ued on sto ska, 3,520 •">!»
Interest due and aoorned on collateral loans, 1,48!
Net preminms in due oonrse of collection, 7,173 69
from agency, 889 69
• >f the Company at their actual valne $4*2.971 65
III. LIABILITIES.
L and unpaid 15,727 no
Losses reported and unadjusted 4,100 00
1 MM) 00
amount <<f unpaid losses, 20,627 00
rned preminms on fire rNks, one year or less,... G-l.'.H'.' 21
Unearned premiunia on risks more than one year,.... 33,947 30
Amount of unearned premiums as computed above 98,866 51
Total liabilities, except capital stock 119,493 "1
Capital stock 250,000 00
Surplus beyond capital, 113,478 14
• d liabilities, including capital and surplus 8482,971 65
IV. INCOME DURING THE YKAK.
Premiums received in cash, 189,182 <".!>
Deduct re-il -.-lute, abatements and return
turns 18,041 47
■iid cash pi 171,091 22
From interest on bonds and mortgages
Profits from agency
$208,918 61
V. EXPENDITURES DURING THE TEAR
vio
Cash dividends,
212 NEW HAMPSHIRE INSURANCE COMPANY.
Commissions or brokerage, 27 570 64
Paid or allowed for salaries and fees, 7,333 46
Paid for taxes, 4,697 16
All other payments and expenses, 10.019 41
Actual cash expenditures, $165,250 85
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 14,136,005 00 159,838 43
Having more than one and not more than three
years to run from date of policy, 2,228,33100 27,163 10
Having more than three years to run from date of
policy, 1,873,422 00 20,583 78
18,237,758 00 207,585 31
Premiums received since the organization of the Company, 910,663 17
Losses paid since the organization of the Company, 414,221 52
Cash dividends paid stockholders, 114,000 00
Stock owned by directors at date, 83,000 00
Loaned to officers and directors, 21,000 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 436,672 00
Premiums received on same, 5,092 56
Losses paid, 442 48
NEWARK CITY [N8URANCE COM PA 1 218
NEWARK CITY [NSURANCE COMPANY,
Nrw \kk. N. .1.
Oommenoed Business, March 21, I860.
■ J. I \ > 1 1 : K 1 1 : 1 ; . PfWidttU. ["JOHN ScHMELLBACnER. Si I'l-ttilVJ/.
At' Connecticut, Ohak. Wilson. Now Haven.
I. CAPITAL.
ral actually paid up in cash, ' (200,000 00
II. ASSETS.
Real estate owned by the Company, unencumbered 84,500 00
Loans on bond and mortgage, (first liens), not more than one
! due, 112,200 oo
Loans on bond and mortgage, (first liens), more than one year's
interest due 1,500 00
Interest due on bond and mortgage loans ^,80'j 75
Value of the land mortgaged, $99,000
Buildings (insured f<>r (150,150) 200,700
D.700
<</ Bond* oumed by th< Company.
Par Value. Karkel Value.
;:s: —
Q. s. l, m K : - jold
1,001
1,067 ■"><»
l. .-.(to mi
1,541 •-'•"»
9,000 oo
9,247 50
1871, -Vs. gold
10,000 on
10,625 00
IfUHiaiPAX Bonds : —
I . - c Oountj Etoad [mproye
] 1,000 00
L4,98(
. irk Oilj Win- Bounty
8,000 1
8,240 <"
Eosex County Bounty,.
(Ml
l 00
Emprorement,
10,01
11,20
..-,11(1 (II)
55, 1
:lice..
Cash deposited in Hank,
214
NEWARK CITY INSURANCE COMPANY.
Interest due and accrued on stocks,
Interest due and accrued on collateral loans, .
Net premiums in due course of collection
All other property belonging to the Company,
Assets of the Company at their actual value,
401
26
139
63
6,659
57
1,071
58
$305,830
75
III. LIABILITIES.
Losses adjusted and unpaid, $10,572 73
Losses reported and unadjusted 2,352 00
Losses resisted, 625 00
Net amount of unpaid losses,
Unearned premiums on fire risks, one year or less, .
Unearned premiums on risks more than one year,..
Unearned premiums as computed above,...
Principal on unpaid scrip or certificate 1 ? of profits.
Total liabilities except capital stock.
Capital stock,
Surplus beyond capital,
55.593 19
5,086 (59
Total liabilities including capital and surplus,.
13,549 73
60,679 88
3,042 00
77,271 61
200,000 00
28,559 14
6305,830 75
IV. INCOME DURING THE YEAR.
Premiums received in cash, 135,844 09
Deduct re insurance, rebate, abatements and return
premiums, , 13,416 06
Actual cash premiums,
From interest on bonds and mortgages,
From interest on loans and dividends on stocks and bonds, .
From all other sources,
122,428 03
9,556 30
5,604 06
5,055 97
Actual cash income, $142,644 36
V. EXPENDITURES DURING THE YEAR,
Amount paid for losses, (including $14,021.08 occur-
ring in previous j'ears), $95,775 21
Deduct re-insurance, 3,235 81
Net amount paid for losses,
Cash dividends,
Scrip or certificates of profits redeemed in cash,
Commissions or brokerage,
Salaries and fees,
Taxes,
All other payments and expenses,
92,539 40
17,000 00
165 00
26,582 54
14,136 00
4,797 04
7,209 63
Actual cash expenditures, ,
$162,429 61
NEWARK COT IN8URANC1 COMPANY. 216
vi. ME30ELLANE01 -
T i PoUcyholdem
Borip dividends declared to data (1 10,229 81
Deduct amoonl I in oash 107,187 91
Lb 8,0 iv
pnot actually delivered 9,979 00
I 0< DION than one ]
run from date of policy 9,522,171 00 111,18$ B7
1 not more than three
ran from date of policy (81,838 00 6,202 41
Ig more than t:. to rnn from date of
poliey 148,087 00 2,284 'it
110,151,641 00 119,678 42
ired since the organisation of the Company 989,106 00
Loss- e the organization of the Company 857,618
Cash dividends paid stockholders 187,641 4L'
. owned by directors at date
officers and directors 22,000 00
. dividends 100,000 00
Loaned to stockholders not officers, 2,000 00
' 'onnecHcut in 1877.
Firei a (no inland) 202,789 06
Premiums received 2,6!
Losses paid 1,747 76
216 NEW YORK CITY INSURANCE COMPANY.
NEW YORK CITY INSURANCE COMPANY,
New Yoke City„
Commenced Business, March 1, 1872.
Kjchaed L. Franklin, President. John W. Simonson, Secretary.
Attorney in Connecticut, H. L. Cannon, New Haven.
I. CAPITAL.
Capital actually paid up in cash,.. $200,000 00
II. ASSETS."
Stocks and Bonds oioned by the Company.
Par Value. Market Value.
U. S. Stocks: —
U. S. Bonds, 5-20's, 1865, reg.,... 101,000 00 104,282 50
new 5's, 1881, li ... 50,000 00 53,187 50
" currency 6's, " ... 50,000 00 60,000 00
Miscellaneous : —
N. Y. Guaranty & Indemnity Co., 5,935 00 5,935 00
Total $206,935 00 $ 223,405 00 . 223,405 00
Cash in Company's principal office, i,624 89
Cash deposited in bank, 9,860 71
Net premiums in due course of collection,. 11,028 75
Amount of premiums unpaid on policies which have
been issued more than three months, $935 99
Assets of the Company at their actual value $245,919 35
III. LIABILITIES.
Losses adjusted and unpaid, 5,709 6G
Losses reported and unadjusted, 3,005 00
Net amount paid for losses 8,714 66
Unearned premiums on fire risks, one year or less,... $36,304, 88
Unearned premiums on risks more than one year,... . 6,150 19
Amount of unearned premiums as computed above, 42,455 07
All other demands against the Company, ' 3,062 96
Total liabilities, except capital stock, 54,232 69
Capital stock, 200,000 00
Total liabilities, including^ capital $254, 232 69
Impairment, 8,313 34
nkw York CITY INSURANCE OOMPAli
iv. CNOOICE DURING THE \T.vi;.
Premiums i 16,861 20
ments an. I retarn
16,762 7:;
tab premiui 99,6<
ad dividends oo Btooks and bonda 11,901 68
$111,610 00
v. EXPENDITURES DURING THE TEAR.
| 2. 000. no occur-
ring in previous years) 3 67
I 97
amount paid to 46,273 70
I dividends, 20,000 oo
ror commit 17,205 N
Paid or allowed for aalari i 13,452 71
All other]
ttualoaah expenditures $114,241 61
VI. MISCELLANEi
Premiums.
in force having not more than one year to
run from licy 7l',>.
»re than one and not more than tJ
run from date of policy 1,286,549 oo B,949 4!>
g more than three years to run from date <>f
policy no 2,401 s;»
10,562,762 no B8,961 1 t
Premiums received since the organization of the Company 694,552 00
- paid sinoe t!. •. ;
Oaahdiridi no oo
7'.'. !>
Fire i 1
218 NIAGARA FIRE INSURANCE COMPANY.
NIAGARA FIRE INSURANCE COMPANY,
New York City.
Commenced Business, August, 1850.
Henby A. Howe,, President. Peter Notman, Secretary.
Attorney in Connecticut, C. C. Kimball, Hartford.
I. CAPITAL
Capital actually paid up in cash, , * $500,000 00
II. ASSETS,
Real estate owned by the Company unencumbered 22, 500 00
Loans on bond and mortgage, (first liens), not more than one
year's interest due,. 114,9.50 00
Interest due on bond and mortgage loans, 4,023 00
Value of the land mortgaged, $145,500 00
Buildings, (insured for $96,250), 110.000 00
$255,500 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks:—
U. S. bonds, currency 6's, reg.,... 300,000 00 363,000 00
" 6's, 5-20's of '65, new, 50,000 00 51,500 00
" coup., 20,000 00 20,000 00
'« 4£'s, registered, 250,000 00 253,125 00
Alabama bonds, Class " A" 10,000 00 4,200 00
Municipal Bonds : —
New York City 7's, 1892-1900, 48,000 00 56,120 00
" 6's, 1879, 32,000 00 32,800 00
5's, 1926, 120,000 00 121,200 00
Brooklyn City 7's, 1910, 5,000 00 5,750 00
Jersey City 7's. 1897-1913, 20,000 00 22,200 00
Total, , $855,000 00 $930,495 00 930,495 00
NIAGARA nRB INSURANCE COMPANY. 219
mi <>/i Collateral.
\ alue. Market Value. Ami. Loaned.
Con. B. K. X. J. oonT. bds.
1 - v
N. J. Oen. EL EL A. D.
by N. •'. Gen.
B. EL Dolphin sfsnuf.
DO 1 18,800 00 100,000 <>o
Oheea] l. U.K. bds.
bds. end.
■ - I ..nno no 70,000 <"< ;.(i.(HMi 00
w. b. i:.
B. B. Buff. B. A- P. BLB.
bo:. EL B 86,450 00 25»050 00 18,500 00
Cen. K.ft. X. J. com
•' stork- lG.ooo 00 8,680 "» 1.700 oo
S •.t.Bk.Stanifor.l. Cfc
X.Y. X. II. A- Hurt. EL EL
United States bonds,.... 8,100 no 4,400 00 2,800 00
.••vcc.X.Y.
Oily of Augusta 8*8, . 1,732 00 1,300 00
oo 1,500 "•> 1,000 do
Lorillard 1 920 oo 600 00
Total I oo 175,900 00
Cash in Company's principal otik-e 2,291 00
Cash depo- '_'.;. 71!) 00
Interest due and accrued ■ 5,781 00
Interest due an . on collateral loans 1,288 00
3 premiums in due course of collection 8-1,032 00
i of the Company at their actual value $1,368,579 00
III. LIABILITIES.
id '
Losses rep. : >
1!."!
■mount of unp
ried prenii 9 00
■': 00
of unearned premiums si rre 840,485 00
'••'i' u 1
o | o
$1,84
220 NIAGARA FIRE INSURANCE COMPANY.
IV. INCOME DURING THE YEAR,
Premiums received in cash, '. 629,809 00
Deduct re-insurance, rebate, abatements and return
premiums, 78,682 00
Actual cash premiums, 550.627 0o
From interest on bonds and mortgages, 8,176 00
From interest on loans and dividends on stocks and bonds, 56,902 00
Actual cash income, $615,705 00
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $65,635.) occur-
ring previous years,) 342,906 00
Deduot salvage and re-insurance, 15,046 00
Net amount of unpaid losses, 327,860 00
Cash dividends, 60,047 00
Commissions or brokerage, 89,633 00
Salaries and fees, 61,238 00
Taxes, 17,130 00
All other payments and expenses, 74,152 00
Actual cash expenditures, $630,060 00
VI. MISCELLANEOUS.
^Premiums.
Risks in force having not more than one year to
run from date of policy, $36,703,689 00 385,218 00
Having more than one and not more than three
years to run from date of policy, 19,759,330 00 193,781 00
Having more than three years to run from date of
policy, .- 6,484,519 00 96,802 00
62,947,538 00 675,801 00
Premiums received since the organization of the Company, 10,242,452 00
Losses paid since the organization of the Company, 5,804,105 00
Cash dividends paid stockholders, 1,404,000 00
Stock owned by directors at date, 221,700 00
Loaned to officers, - 102,800 00
Loaned to stockholders not officers, 104,100 00
Business in Connecticut in 1877.
Fire risks taken (no inland,) ,... 1,396,542 00
Premiums received on same, 14,733 45
Losses paid, 7,202 48
M'l.VllKKN INSURANCE COMPANY OF N, V. 221
NORTHERN [NSURANCE COMPANY OF NEW 5TORK,
Wai 1 l.loW s. X. V.
Oommenoed Business, Iffsxcb 28, i v 7_.
A. n. What, Secretary.
. JiTDAB F»TBBM| New Haven.
I. CAPITAL.
Capital actually paid up in cash £250,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 33,400 00
Loans on bond and mortgage, (first liens,) not more than one
186,278 12
- on bond and mortgage, (first liens.) more than one year's
interest due. (of which $20,000 is in process of foreclosure,) 200 <
Interest due and accrued on bond and mortgage loans 10,220 80
Value of the lands mortgaged 264,650 00
Building 0,) 92,750 I
$3.") 7, 4 00 00
■'.-* and Honda owned by the Company.
Par Value. Market Vain**.
stocks : —
tered 50,000 00 58,3
■ - : —
• 00 -loo 00
.
B., W. i O. B. B H.ooooo 14,00
Th- . guaranteed,... 10, 10."
Keokuk a 4,000 10 00
iinton l,o(io 00 1,000 00
Carthage. Wat l.o
oo $88,712
wu on Collateral.
Par Valuf. M
3
222 NORTHERN INSURANCE COMPANY OF N. Y.
Par Value. Market Value. Amt. Loaned.
Jefferson County Bank, 5,000 00 5,500 00^
Bond & Mort. City Propoity, 324 05 324 05- 6,045 55
R., W. '& C\ R. R. bonds,.... 1,000 00 1,000 00)
Bd. & Mort. Town Clayton,. 1,730 00 1,730 00 600 00
" Ilounsfield, 1,000 00 1,000 00 900 00
Total, $35,054 05 $32,454 05. $23,545 55 23,545 55
Cash in Company's principal office "2,452 2Q
Cash deposited in banks, 30,209 80
Interest due and accrued on stocks, 108 88
Interest due and accrued on collateral loans, 332 51
Gross premiums in due course of collection, 17,475 31
Rents due and accrued 177 11
Assets of the Company at their actual value, $371,112 34
Other Assets.
Office Furniture, safe and maps, 2,000 00
Cash in bankrupt bank, 5 per cent, of claim, 774 86
$2,774 86
III. LIABILITIES.
Losses adjusted and unpaid, 2,422 42
Losses reported and unadjusted, 4,850 00
Losses resisted, 1,750 00
Net amount of unpaid losses, 9,022 42
Unearned premiums on lire risks, one jear or less, 64,432 72
Unearned premiums on risks more than one year, 10,272 95
Amount of unearned premiums as computed above, 74,705 67
All other demands against the Company, 2,039 07
Total liabilities, except capital stock, 85,767 16
Capital stock, 250,000 00
Surplus beyond capital, 35,345 18
Total liabilities, including capital and surplus, $371,112 34
IV. INCOME DURING THE YEAR.
Premiums received in cash, 165,137 61
Deduct re-insurance, rebate, abatements and return
premiums,.. 19,980 61
Actual cash premiums, 145,157 00
From interest on bonds and mortgages, 9,538 90
From interest on loans and dividends on stocks and bonds, 5,936 80
From all other sources, 1,463 96
Actual cash income, $162,096 6S
i
SO* OOMP IN"J OF N. \ .
V. EXPEND] rURES DURING THE Yi' !
Amount paid f including $7,869.62 ooonr<
ring in previous years) 81,450
Deduct ro-insur 1,197 84
nnount paid for losses,
dividends
• ::*. :>:
ffioe and agency expenses, 18,1
4,722 .-,<;
All other payments i 18,6
Aetna! cash expenditures 1 1/50,141 85
VI. MISCELLANEOUS.
Premium?.
a in force having not more than one year to
run from date of policy 8,464,271 20 128,86a 4:.
Having more than one and not more than three
run from date of policy 1,282,478 14 18,499 61
• g more than three years to run from date of
of policy 249,011 66
9,945,756.1 9 146,267 55
Premiums received since the organization of the Company 14] :'::
1 since the organization of the Company
Cash divio 10,000 00
Stock owned by directors at date 90, t
Loaned to directors 12,045 55
Butine** in Connecticut in 1877.
Fire risks taken, (no inland 126,442 78
received on same I,9i
224 NORTHWESTERN NATIONAL INSURANCE CO.
NORTHWESTERN NATIONAL INSURANCE COMPANY,
Milwaukee, Wis.
Commenced Business, July 1, 1869.
Alexander Mitchell, President. John P. McGregor, Secretary.
Attorney in Connecticut, Silas Chapman, Jr., Hartford.
I. CAPITAL.
Capital actually paid up in cash, $600,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 151,000 00
Interest accrued on bond and mortgage loans, , 1,953 33
Value of the lands mortgaged, 291,000 00
Buildings (insured for $118.000.00), 145,500 00 '
436,500 00
Stocks and Bonds owned, by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States registered 6's, 1881, TO, 000 00 74,550 00
" 5's, 1881, 110,000 00 115,775 00
" 5-20's, '65, 25,000 00 25,687 00
" 5-20's, '67, 17,000 00 17,913 00
" Cur. G's,.... 100,000 00 120,000 00
Railroad Bonds : —
Milwaukee & St. Paul, reg., 15,000 00 17,700 00
Chicago,Mil. & St. Paul, 1st mort, 40,000 00 40,000 00
Municipal Bonds : —
Milwaukee City Water 7's 150,000 00 165,000 00
Miscellaneous : —
Milwaukee Iron Co.", 20,000 00 10,000 00
Total, $547,000 00 $586,625 00 586,625 00
Cash in Company's principal office, 1,502 16
Cash deposited in bank, 84,681 24
Interest due and accrued on stocks, 500 00
SOU ill 1 N\ HON \l. INSURANCE 225
premiums in dn< I eolleotion 28,618 01
681 60
All other pi o the Company, 2,884 n
ie Company at their actual value
III. LIABILITIES.
tsted and unpaid not due 1,028 7!»
! 14,021 16
- resisted 2,000 00
imount of unpaid losses 17. <)<.". l'.".
rned premiums ou tit*- risks, one year or less,... 100,970 .">c.
rned premiums < <r 15,947 08
on am spin d marine risks.. ;;. 100 00
-i
Amount of unearned premiums as computed above 150,817 59
Is against the Company, i.;_
I liabilities ital stock 172,0<
Capita] Btock 600,000 00
81,811 •;•;
Total liabilities inclndu land surplus (853,395 '■','•
IV. INCOME DURING THE YEAK.
Ifarlne.
incish 278,752 17 42,526 71
ace, rebate, ab itements
and: liums 34,503 95 722 35
Actual c turns 244,248 22 41,804 39 286,052 61
From 11,440 00
L bonds 112 48
ooome (832,805 <»i
v. EXPENDITURES DURING THE YEAR.
Plre. Marin*
including I
! 19,772 M
Decl'i 20fl
Actual cash expenditure ¥
226 NORTH WESTERN NATIONAL INSURANCE CO.
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 17,989,892 00 201,911 13
Having more than one and not more than three
years to run from date of policy, 5,947,307 00 71,281 13
Having more than three years to run from date
of policy, 1,400,380 00 20,840 04
25.343.595 00 294,008 30
Marine. Premiums.
170,000 00 3,400 00
Premiums received since the organization of the Company, 3,029,032 23
Losses paid since the organization of the Company, 1,747,242 35
Cash dividends paid stockholders, 180,000 00
Stock owned by directors at date, 327,000 00
Stock dividends declared, 174.000 00
Business in Connecticut in 1877.
Fire risks taken (no inland,) 123,510 00
Premiums received on same. 1,704 75
Losses paid, 2,528 71
P u:k FIRK INSI R INCI COMP \NV. 22'
PARK III: i: [NSUKANCE COMPANY,
Nl W VoiiK ('
mmenoed Business, starch, 1858.
Wit Jatfaat, President, Wm. Vai.i.mink, Secretary
B, WILSON, New Hav.-n
I. CAPITAL.
I np in cash $200,000 00
II. A8S
/'/* owned by tfu Company.
P tr Value. Market V :i .
Q. 8. a
r. - 15,000 oo -". oo
•• ... 60,000 00 51,760 00
irrenoy, 1896* reg 10,000 00 12,100 00
170,000 00 209,100 00
25,00 ' 00 80,750 00
819,526 00
Cash I ink, 1,849 86
ie and accrued 57 60
premiums in due C \ |
AmeU of the Conipau; ictual value. $335,007 76
in. LLABHJTL1
Losses ad jn st ed and
'■'■'
Lorn I r. listed 1.001
• - 6, l '.'
•.•• y*-.ir or
Unean.
228 PAKK FIRE INSURANCE COMPANY.
All other demands agaiust the Company, 767 56
Total liabilities except capital stock, .... 33,047 25
Capital stock, 200,000 00
Surplus beyond capital, < ., 102,5(;0 51
Total liabilities including capital and surplus, $335,607 76
IV. INCOME DURING THE YEAR.
Premiums received in cash, 59,546 84
Deduct re-insurauce, rebate, abatements and return
premiums, 5,474 71
Actual cash premiums, 54,072 13
From interest on loans and dividends on stocks and bonds, 18,750 88
Actual cash income, $72,823 01
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $1,892.24 occurring in previ-
ous years.)
Cash dividends,
Commissions or brokerage,
Salaries and fees,
Taxes,
All other payments and expenses,
Actual cash expenditures,
24,905
96
40,000
00
6,721
94
11,402
10
41
4:5
7,875
54
•$91,036
97
Premiums.
51,231
85
819
21
15 J
40
VI. MISCELLANEOUS.
Risks in force having not more than one year to
run from date of policy, 8,607,816 27
Having more than one, and not more than three
years to run from date of policy, 94,650 00
Having more than three years to run from date of
policy, 12,300 00
$8,714,766 27 52,202 46
Premiums received since the organization of the Company, 2,196,288 12
Losses paid since the organization of the Company, 1,088,924 04
Cash dividends paid stockholders, 606,000 00
Stock owned by directors at date, 49,900 00
Business in Connecticut in 1877.
Fire risks takeu, (no inland,) 89,000 00
Premiums received on same, 710 52
N8YLVANIA FIRK INSURANCE COMPANY.
PENNSYLVANIA FIRE INSURANCE COMPANY,
PhXLADI l.ini \. Pi.
Commenced Business, April, I
John Dzvbbsux, President. Wu Q* Cbowxll, Secretary.
■','■■■. '. B B. Ai.i.i.x, Hartford.
I. CAPITAL.
Capital actually paid np in cash. $400,000 00
ff. A8S1
• state owned by the Company unencumbered 96,700 <><>
on bond and <\ more than one
; doe 417,007 <><>
Interest >nd and mortgage loans 15,31
Buildings (insured t $1,055,
id Bonds owned by the Company.
Par Value. Market Value.
9 and State Stocks : —
Dni 1 15,000 00 152,250 00
1881 80,00 81,951
Del. 20,000 00 21,000 00
Philadelphia City Warrants 87,403 00
11 6s 50,( 00 00 56,250 00
" .".'s i(i') 5,775 00
mi i B,000 <>i>
'.»uis • 6> 25,000 00 25,000 00
'i •' 7 3-10'n 38,000 00 00
•• 7*a 10,000 00 10,000 " ;l
i 00 12,000 (»(•
•• : - 60,000 00 I
" 7*i 2 •» do
00 10 00
1 lelphial ; 00
Phila
•■ <■ -. 10,500 00
1 1 .v.
280
PENNSYLVANIA FIRE INSURANCE COMPANY.
Philadelphia & Reading con. : s...
Delaware 1st rnortgoge
Philadelphia & Erie 1st inort. 6's,
North Pennsylvania 1st mort. 6's,.
Lehigh Valley 1st mortgage 0's, ...
" con. " " ...
Har.,P.,Mt. Joy & Lan. 1st m. 6's
Elmira & Williarasport, " 7's,
West Jersey con. mort. 7's,
Penn. & N. Y. Canal & R. R. 7's,
United Cos. of N. J. con. mor. 6's
So.Cen. of N.Y. 2d mort, 7's,;gold
Miscellaneous : —
American Steamship Co. G's,
Schuylkill Nav. Co., 2d mortgage,
1st
Lehigh Coal & Nav. Co. 1st m. G's
gold,
Chesa. & Del. Canal Co. 1st m. G's
Delaware Division Canal Co. G's,,.
Phila. Read. Coal & Iron Co. 7's,.
Manayunk Gas Co.,
Par Value Value.
20,000 00
15.000 00
25,000 00
40,000 00
33,000 00
22,000 00
20,000 00
25,000 00
10,000 00
24,000 00
60,000 00
20.000 00
15,000 00
12,000 00
8,000 00
29,000 00
20,000 00
10,000 00
20,000 00
20,000 00
1,000 00
Market
20,000 00
15,300 00
25,750 00
42,000 00
35,970 00
21,120 00
20,600 00
25,625 00
9,300 00
26,640 00
60,900 00
20,000 00
11,100 00
7,56C 00
7,291 00
29.870 00
17,200 00
7,300 00
16.000 00
12,000 00
1,000 00
Total,.
1,069,803 00 $1,086,619 59 1,086,619 59
Loans on Collateral.
Par Value. Market Value.
Ins. Co. State of Penn., 1,200 00 1,680 00
Cash in Company's pi'incipal office
Cash deposited in banks,
Gross premiums in due course of collection,
Amt. Loaned.
1,000 00
1,000 00
6,235 78
28,443 (16
73,110 <J4
Asset-; of the Company at their Actual value $1,724,481 36
III. LIABILITIES.
Net amount of unpaid losses,
Unearned pi'emiums on fire risks, one year or less, 212,623 62
Unearned premiums on risks more than one year, 109,397 67
Amount of unearned premiums as computed above,
Amount reclaimable on perpetual fire insurance policies,...
All other demands against the Company,
Total liabilities, except capital stock,
Capital stock,
Surplus beyond capital,
38,000 00
322,021 29
397,304 15
22,000 00
779,325- 44
400,000 00
545.155 92
Total liabilities, including capital and surplus $1,724,481 31
' w ■ \ MRR INSURANCE COMPANY.
iv. [NOOME DURING Tin: vi:.\k.
508,445 58
mental and retain
I 64
i il oaah premiama,
as and dividends on stool
168 34
Lved on per. risks. $14,533.64
koaleaah Ineome $625,452 R8
v. EXPEND] il MNG THE YEAR.
(l occur-
ring in previous years) 292, 132 90
11, H
smoont paid for losses, 280,429 16
S, I".'
osorbroi 76,975 15
Bee and agency expenses 78,617 92
14,749 71
Allot] 17,836 94
xpemlitures,... $504,61
VI. MISCELLAN1
Premiums.
in foree having uol more than ana year to
run from date <»f policy 33.071,406 00 426.247 25
g more than one and not mora than three
ran from date of policy 7. •_'::•;.'.• 10 00
Having more than t to run from date of
of policy 6,745,648 00 112,490 70
Perj 15,9* 50 19
-i »;:.
the organization of the Company <"•. 7 I
• ion of the Company . MK)
Loteaa paid. 4,17
232 people's insurance company.
PEOPLE'S INSURANCE COMPANY,
Newark, N. J.
Commenced Business, Oct. 11, 1807.
John M. Randall, President. I. H. Lindslet, Secretary.
Attorney in Connecticut, C. M. Webster, Hartford.
I. CAPITAL.
Capital actually paid up in cash, $300,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 151,545 65
Loans on bond and mortgage, (first liens,) not more than one
year's interest due, 121.508 00
Loans on bond and mortgage, (first liens,) more than one year's
interest due, 17, 700 00
Interest due and accrued on bond and mortgage loans, 5.671 22
Value of the lands mortgaged, 150,000 00
Buildings, (insured for $141, 800.) 149,300 00
$299,300 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States G's, 1881, 100,000 00 10(1,025 00
Municipal Bonds : —
Essex Co , Road Improve 9,000 00 9,900 00
Total, , $109,000 00 $116,525 00 116,525 00
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Newark City lee Co 15,700 00 15, TOO 00)
American Trust Co., 5,000 00 3.750 00 £ -'0,000 00
Essex Co. Nat. P^nk, 5.0(H) 00 6,250 00 }
National State Bank, 3,000 00 3,390 00 1,700 00
American Trust Co., 1,000 00 750 00 600 00
5,000 00 3,750 60 2,000 00
Newark & Irvington R. R. 10,000 00 10,000 00 5,000 00
Merchants National Bank. 2.500 00 2.125 00 1.800 00
PKOPLfc'S I N8UKAN0K COMPANY, 288
Pa* Vain.-. M irkrt \':ilu
•. Anit. :
Ameri
l.n | i . 001
\ j Gas L
I 00
1 on
1,800 00
1
as (i i> Li $hl 1 '••
6,250 00 IS 00
1,250 00
l&orria t San J bonds
00 i 00
■ i 00
2 000 1
1,474 <;*.)
il Bank..
i 00 160,515 00 \
140,024 69
40,021 69
10,8?
Cash in Comp m\ '« prin sipaJ
ottos,
C:isb «1
:;i 86 1 *M
collateral loans
760 60
v ■■ wiiums in doe
All otfa
Office furniture
of collection
16,287 24
2 577 3*
t'> the* Company
.$2,708 65
Assets • f th.> Company at their aotnaJ value S~> 1 7.:J *:i 29
III. LIABILITIES.
Loaaec Land unpaid, 24,878 24
anadjoated 8,950 00
2.500 00
N ' mnt of nnpaid losses 80,82
Uneai iamaon fire riakH, one year or less, 116,670 21
i'lms on risks more than one year 17,268 17
Amount <<f unearned premiums as compated above 133 938 38
b, except capital stock, 164.7
* 800,000 00
Sur: itaJ 52,576 <>7
■ al liabilities, including capita] and surplus $517,343 2!)
IV. is OMi: DURING THE YEAR.
8 17,559 00
: i md return
88, 129 l i
Ae- 809, IS
19 1 1
o losns snd dividends on atooka and bonds 12,240 09
$3
v. DUBING THE FEAR.
: 79,678 72
■ I 41
17 . ,
Cash :
234 people's insukanok company.
Scrip or certificates of profits redeemed in cash, 789 70
Commissions or brokerage 65,410 66
Salaries and fees, 1 8, 1 1) 4 46
Taxes, 9,12!) 57
All other payments and expenses, 4,508 05
Actual cash expenditures, $290,217 7i
VI. MISCELLANEOUS.
To Policyholders.
Scrip dividends declared to date, 42,588 00
Deduct amount redeemed in cash, 41,398 70
Balance of scrip dividends, 1,189 30
Premiums.
Risks in force having not more than one year to
run from date of policy, $ 19,657,686 00 233,340 42
Having more than one and not more than three
years to run from date of policy, 2,486,6(55 00 23,624 55
Having more than three years to run from date of
policy, 639,953 00 8,712 87
22.784,301 00 265,677 84
Premiums received since the organization of the Company, 1,8(56.542 89
Losses paid since the organization of the Company, 810,422 71
Cash dividends paid stockholders, 161,220 00
Stock owned by directors at date, ;.. 139.900 00
Loaned to officers and directors, ....- 34.624 69
Stock dividends declared, . 15.000 00
Loaned to stockholders not officers, 7,000 00
Business in Connecticut in 1877.
Fire risks taken (no inland,). 1,067,47 7 00
Premiums received on same, 10,515 70
Losses paid, 10,131 18
PJRI INSURANCE COMPANY
PEOPLE'S FIRE INSURANCE COMPANY,
. : OH, N. J.
Commenced Bush
Chablhs Scott. 2 C. V. 0. Hurpht, Secretary.
Attorney in ' n aim an. Jr., Hartford.
I. CAPITAL.
Capital actually paid up in cash $3<)0,0<>0 00
II. ASSETS.
Loans on bond and mortgage, (fir^t liens) not more than one
. *s interest due, 262,750 00
Loans on bond and mortgage. ( first liens) more than one year's
interest due, (of which $11.21)0,00 is in process of foreclosure). ] (5.200 00
Interest due and accrued on bond and mortgage loans.. -il OH
Vulue of the lauds mortgaged, 3;)."). 100 00
Buildings (insured for $202,100.00), 331,000 00
CGG,70O 00
Stocks and Bonds owned by the Ctmpany.
Par Value. Market Value.
>CKS : —
States Bonds, 108,000 00 110,083 Oo
16,000 00 16,660 00
pal Bond- : —
Jersey Cite 25,000 00 27,*
Eli/ 10,000 lo/ioo oO
i
uanics Nat. Bank, Trenton.... 7,500 75 00
:. Bido m ;—
United tt. K. ft Canal Co.*, N.J.. 4
Central 1
Pen: I
Total, |256.
238 people's fire insurance company.
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Assanpink Improvem't Co.... 10,000 00 10,000 00 3,775 00
Pennsylvania R. R. Co., (5,700 00 4.418 00> v f
First Nat. Bank, Trenton,... 5,200 00 6,760 00 \
Total, $21,900 00 $21,178 00 $12,775 00 12,775 00
Cash deposited in bank, 23,905 94
Interest due and accrued on stocks, 1,000 00
Interest due and accrued on collateral loans, 223 56
Gross premiums in due course of collection, 29,619 98
Assets of the Company at their actual value, $009,308 54
III. LIABILITIES.
Losses adjusted and unpaid, 17,350 05
Losses reported and unadjusted, 6,033 33
Losses resisted, 2,713 05
Net amount of unpaid losses 26,096 43
Unearned premiums on tire risks one year or less, 75,037 67
Unearned premiums on risks more than one year, 45,651 74
Amount of unearned premiums as computed above, ,
Due and accrued for salaries, rent, &c,
All other demands against the Company,
Total liabilities, except capital stock,
Capital stock,
Surplus beyond capital,
120,089
41
075
20
8,220
17
155,687 27
300,000
00
153,081
27
Total liabilities, including capital and surplus, $609,308 54
IV. INCOME DURING THE YEAR.
Premiums received in cash 201,597 39
Deduct re-insurance, rebate, abatements and return
premiums, 17,956 42
Actual cash premiums, 183,040 97
From interest on bonds and mortgages, 17,299 90
From interest on loans and dividends on stocks and bonds, 16,945 18
From all other sources, 785 Q5
Actual cash income, $218,671 70
V. EXPENDITURES DURING THE YEAR,
Amount paid for losses (including $11,723.73 occur-
ring in previous years), 113.737 11
Deduct salvage 9 13
Net amount paid for losses, 113,727 98
PEOPLES II KK INSURANCE COMPANY. 28
tiridends 24,000 00
Paid for commissions and broil 42,1
Paid or allowed for aalari
4,966 61
All other paymenta and expenses ! i 61
actual oaah expenditures 32 ii
VI. MISCELLANEOUS.
Premiums
Risks in force having not more than one year to
ran from date of policy 12,897,890 00 150,075 84
Having more than on.' and not more than three
ran from date of policy 2,747,042 00 82,688 84
Having more than th to ran from date of
policy 8,518,052 00 60,448 U
18,657,984 00 248,207 82
Premium':; received since the organization of the Company [ 1,4 67,679 98
■ paid since the organization of the Company 412,157 29
Cash dividends p rid stockholders 107,000 00
; owned by directors at date 169,250 00
Loan, ass and directors 9,000 00
. dividends declared 100,000 00
Business in Connecticut in 1877.
Yiro risks taken. (no inland) 574.210 78
Premiums rec.ived on same G,H<;7 67
- paid, 3.0'.*7 713
288 PHENIX INSURANCE COMPANY.
PHENIX INSURANCE COMPANY,
Bkooklyn, N. Y.
Commenced Business, Sept. 10, 1853.
Stephen Ceowell, President. W. R. Ciiowell, Secretary.
Attorney in Connecticut, E. B. Gcodsell, Bridgeport.
I. CAPITAL
Capital actually paid up in cash, $1,000,000 00
II. ASSETS.
Real estate owned by the Company unencumbered 280,000 00
Loans on bond and mortgage, (first liens), not more than one
year s interest due, 250,125 00
Interest due and accrued on bond and mortgage loans, 0,927 53
Value of the land mortgaged, $101,150 00
Buildings, (insured for $209,150), 310 100 00
$477,250 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks :—
U. S. bonds, 5-20's, '05s, new reg. 220,000 00 220,000 00
5-20's, '07, reg., 400,200 00 491,841 00
1881, coupons, 25,500 00 20,087 50
1831, registered, 155,000 00 105,-102 50
10-40's, reg., 77,000 00 .82,390 00
" currency s, 50.000 00 00,000 00
Tennessee, 45,000 00 10,200
Noith Carolina, 10,000 00 1,500 00
South Carolina 20,000 00 8,000 00
Alabama, 10,n00 00 3,900 00
Mississippi State warrants, 20,000 00 20,000 00
Virginia State certificates, 14,772 33 738 61
Municipal. Bonds : —
Kings County (fs, 11,000 00 12,100 00
City of Brooklyn 0's, 1 5, 000 00 16, 200 00
Park Loan, 7's,. 5,000 00 5.850 00
rilKMX INSURANCE COMPANY. 289
no Bonds
u City U. B 12,600 00 25,000 00
istoD and lY\.i> 8,000 00 00
s : —
Comnx ui.l B klyn 8,000 00
v., 1,000 oo i,2< n en
iUn •' " B0,000 oo 'i oo
Americ in Bx M " 80,< I 81,600 00
Fourth National Bank, X. V 20,000 oo 20,(KK) oo
nblio, X. V.... oi) 6,750 00
\". V 20,0 "i oO 20.200 oo
\. V 10,000 oo 12.000 oo
1. N. V lo. no,, ( o ,, on
. of Commerce, X. V 8,700 l 10,01 i oo
Mechanics* Bank of Brooklyn 12,600 00 2S,12n 00
. \ V 1,860 00
Bank ol Brooklyn 4,000 00 10,000 00
- : —
3 m a. L. Co., Brooklyn, cert. 17,000 00 17,000 00
Murk. 2o.o< t( 00 17.000 00
York Mutual G. L. Co 80,000 00 27.000 oo
People's G. L. Co.. bonds 47.00000 47,000 00
10,000 00
k 00
Brooklyn Gas Light Co.. stock,... 00 1 1,460 00
N. Y.GasIig ak 10.00000 12,600 00
Uniuu Ferry Co., Brooklyn, .stock <;.:.( 9,760 00
fcal, $1,497,672 :,:, $1,540,968 01 1,640,968 01
Loan* on Collateral.
Montauk Fire Ins. c ... Bkyn
•
Mechaiii •> 15 ink,
Shoe A Leather X it. i
1
a J
..
!
1
u
I - i
Union Pan »klyn,.
;y Bonds, f>,000 00
Par Value.
Market Valne.
An:t. 1.
1,60
(
: | O
oo 1
1 00 [
0.17:. OO
O ,
1160 00j
1,600
1,000 00
6,000 00
. 00
5,600 00
1:5.000 00
16,60
8,840 00
22,000 00
5,4<
, (ni»
1.'"
1,766
l,0|
00
240 PHKN1X INSURANCE COMPANY.
2,000 00
Par Value. Market Value. Arnt. Loaned.
Home Fire Ins. Co., N. Y.... 800 00 920 00 >_
Hamilton Fire " " .... 750 00 1,275 ooi
Chi., Burlington & Q. it. R.. 5,000 00 5,000 00 4,000 00
Brooklyn Life Ins. Co., 1,000 00 1,200 00 052 22
Knickerbocker Ice Co., 2,000 00 2,000 00 1,000 00
Am. Ex. Fire Ins. Co., 500 00 500 00 400 00
People's Gas L. Co., Bkyn,.. 5,000 00 5,000 00 4,000 00
Am. Ex. National Bank, 700 00 735 00 085 00
Mech. & Tia. Nat. Bk., N.Y. 7,000 00 10.500 00 6,000 00
Citizens' Bank, N. Y., 750 00 750 00)
Hanover Nat. Bank, N. Y.... 2,500 00 2,500 00- 3,000 00
Nor. & Wor. R. It. Co 500 00 500 00 )
N. Y. Mut. Gas Light To.,... 10,000 00 9,200 00)
Merchants's Ins. Co., N. Y., 4,000 00 0,800 00 f
10,000 00
Total, $100,700 00 $118,820 00 $87,962 22 87,962 22
Cash in Company's principal office, 558 81
Cash deposited in Bank, 295,777 79
Interest due and accrued on stocks, 6,254 66
Interest due and accrued on collateral loans, 1,293 92
Gross premiums in due course of collection, 214,^89 40
Bills receivable, 23,287 74
All other property belonging to the Company, 51,450 27
Assets of the Company at their actual value, $2,759,001 45
III. LIABILITIES.
Losses adjusted^and unpaid, 5,534 64
Losses reported and unadjusted, 154.774 97
Losses resisted, 9,168 50
Net amount paid for losses, 169,478 II
Unearned premiums on fire risks, one year or -less 448,538 53
Unearned premiums on risks more than one year, — 285,469 58
Unearned premiums on inland navigation risks, 3,185 50
Unearned premiums on unexpired marine risks, 57,715 00
Amount of unearned pi'emiums as computed above, 789,908 61
Rents due and accrued 2,000 00
All other demands against the Company, 8,003 07
Total liabilities except capital stock, 909,389 79
Capital stock, 1,000,000 00
Surplus beyond capital, 789,611 66
Total liabilities including capital and surplus, i $2,759,001 45
IV. INCOME DURING THE YEAR.
Fire. M. & Ind.
Premiums received in cash, 1,313,706 12 754,305 30
Deduct re-insurance, rebate, abate-
ments and return premiums, 193,311 33 221,482 27
Actual cash premiums, $1,120,394 79 $532,823 03 1,653,217 82
PHBNIX IN8URAN0K COMPANY, LM 1
lulls ind I piviniuiii- . 7.7 4
17,;;<>4 08
I dividends on atooloi and bondi 68 14
nil other 8,6i
$1,771,728 G7
v. in RES DURING THE Yl.AK.
Plre, M. 4 in.
Aniount paid for losses inolacL >i."-l > .-
ra . 958,072 4 1 ."»jt;,<;4i 20
and re<insnrsnoe SIS, 194
an( paid I • 58,072 41 828,446 40 968,51
dividends, 200,000 <><>
[missions or brol 245,410 52
348 21
26,702 60
All other paym< 117,110 94
Actual cash expenditure! (1,71 8,6£
VI. MISCELLANEOUS,
Premiums.
tying not more than one year to
run from date of policy 106,017,046 00 1,021,694 88
ire than one and not more than three
run from .late of policy 24,879,883 00 287,954 12
Having more than three years to run from date of
policy 8,905,198 00 111,999 02
139,802,071 00 1,420,947 47
M. a in. Premium*.
9,625,588 00 64,0*
n of the Company, 24,315,098
tion of the Company 12,621,027 41
1,864,000 <>o
181,100 00
•
18.410 no
B ' - . 7
• 1,687,51
9A2 PPKSCOTT INSURANCE COMPANY.
PRESCOTT INSURANCE COMPANY,
Boston, Mass.
Commenced Business, Jan. 15, 1873.
Franklin Geeene, President. Francis H. Stevens, Secretary.
Attorney in Connecticut, E. B. Huntington, Hartford.
I. CAPITAL.
Capital actually paid up in cash $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 80,000 00
Interest accrued on bond and mortgage loans, 1,981 01
Value of the land mortgaged, $97,160 00
Buildings, (insured for $44,000) 45,000 00
$142,100 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
Municipal Bonds : —
City of Worcester, 40,000 00 40,000 00
11 Cincinnati, 25,000 00 25,000 00
" Boston, 10,000 00 10,050 00
Railroad Bonds : —
Boston & Lowell, 25,000 00 26,937 50
Bank Stocks : —
National Webster, 62,400 00 63,024 00
Atlas 11,200 00 12,684 00
Eliot 20,300 00 22.330 00
Central 5,000 00 5,000 00
Eagle 1,000 00 1,080 00
Merchandise 10,000 00 10,025 00
Market 10,500 00 11,130 00
New England 4,700 00 6,274 50
Tremont 12,000 00 12,930 00
Second 10,000 00 14,025 00
Blackstone 10,000 00 10,437 50
Miscellaneous : — .
Automatic Signal Telegraph Co.,. 1,000 00 1,000 00
Total, , $258,100 00 $272,527 50 272,527 50
- • : . ' • M PAN Y.
ined.
00 nil
ink
1,8
ins, i - :.;
□ 11,7!
their aotnal value, $305,491 17
III. LlAHlUIi
id
I and unadjusted,
;
mt of unpaid losses
[urns «>n ftre ri.-ks. one year or \> bs,...
than one year 87,827 20
:ut of unei 11 55
! stock, ,447 18
■lading capital and surplus $895,491 17
IV. THE VI
Pren: h 161,46!]
Deduct
premiums - 74
1 4' >. 7 io 58
V. IB.
fur-
ring In p
id sal vagi -
CommifisioDH or hrokerap
244 PRK8U0TT INSURANCE COMPANY.
Paid or allowed for salaries and fees, 0,812 49
Paid for taxes, 2,560 48
Office and agency expenses, 12.009 20
Actual cash expenditures, $140,318 00
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 9,880,700 00 115,968 70
HaviDg more than one and not more than three
years to run from date of policy, 652,463 00 10,290 75
Having more than three years to run from date of
policy, 4,525,337 00 68,908 81
15,058,560 00 195,168 26
Premiums received since the organization of the Company, 700,583 71
Losses paid since the organization of the Company, 254,360 62
Cash dividends paid stockholders, 70,000 00
Stock owned by directors at date, 118,900 00
Loaned to stockholders, not officers, 4,000 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 270,413 00
Premiums received on same, 3,11 07
Losses paid, 2,277 49
K0V1DKNCK WASHINGTON IN8URAM 245
PROVIDENCE WASHINGTON [NSURANCE COMPA
I'l M 1 . II. I.
.1 Business, 1 799.
W IB!
' W. I'.. P. \kik, Hartford.
I. CAPITAL.
lb $400,
II.
( mpany.
9 .111.-. ftlUA
- : —
United States currency 60,000 <•<> 71. Too 00
Dfl : —
City of Chicago. S. B. Buckner,.. 4.".. coo (to 00
ProTidenoe Notes 30,000 <><> 00 00
I of No. America, Prov., 15,000 19,600 <»i)
Bll National. " 00
American »• " 20,000 00
. -ial ■• •• 15,000 00 18,200 00
bants
13,40
10,000 00
of Commi 15,000 00 1 1,100 00
N. V 5,000 00 00
10,0 1 1,5( I
oo
- : —
K.I. Hospital
|467, M I 490,
24:6 PROVIDENCE WASHINGTON 1NSURANCK CO.
Cash in Company's' principal office,... 5 87
Cash deposited in bank. 57,541 87
Interest due and accrued on stocks, 3,109 00
Net premiums in due course of collection 21,813 28
Bills receivable 34,615 25
Assets of the Company at their actual value .. $607,63") 27
III. LIABILITIES.
Losses adjusted and unpaid, 1.266 02
Losses reported and unadjusted, 76,177 20
Losses resisted, 1,050 00
Total, 78,493 22
Deduct re-insurance and salvage, 32, 540 60
Net amount of unpaid losses, 45,952 62
Unearned premiums on fire risks, one year or less, ... 60,217 54
Unearned premiums on risks more than one year, ... 32,604 85
Unearned premiums on inland navigation risks, 4,506 10
Unearned premiums on unexpired marine risks, 43,683 49
Unearned premiums as computed above, 141,011 98
Cash dividends to stockholders remaining unpaid, 2,052 80
Total liabilities except capital stock, 189,017 40
Capital stock, 400, 0( 00
Surplus beyond capital IS, 017 87
Total liabilities, including capital and surplus, $'607,035 27
IV. INCOME DURING THE YEUi.
Fire. M. & In.
Premiums received in cash, 173,320 20 196,340 6i
Deduct re-insurance, rebate, abatements
and return premiums,.. 27.595 15 19,284 (jo
Actual cash premiums, 145,725 05 177,055 96 322,781 01
Bills and notes received during the year for premiums, 36,240 6<~>
From interest on loans and dividends on stocks and bonds, 29,119 03
Actual cash income, $351,900 04
V. EXPENDITURES DURING THE YEAR.
Fire. M. & In.
Amount paid for losses, (including $26.-
079.58 occurring in previous years 107,067 75 146,873 24
Deduct salvage and re-insurance, ... 1,467 42 10,496 91
Net amount paid for losses, 105,600 33 136,376 33 241,976 66
ISH1NGTON INS1 KAE
■ -.
i M
All oil
^ ; 14.8J
VI. MISCELLAM
mOW th;ui
:n from .1 11,198,002 00 120,4;
■
ruo from date of policy 10,718 U0 26,105 02
run from date
00
1R,9<
ML i Premium*.
1,185, 188 00 '- 69
. own. .1 by directors at date 00
marine ami in □ 1,01
Premium- 11,7'
i 1 2,523 21
248 RESOLUTE FIRE INSURANCE CCMHANV.
RESOLUTE FIRE INSURANCE COMPANY,
New York City.
Commenced Business, July 20, 1857.
John Gthon, President. Wm. M. Band all, Secretary.
Attorney in Connecticut, G-eo. N. Morse, West Meriden.
I CAPITAL.
Capital actually paid tip in cash $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens,) not more than one
year's interest due, 12,000 00
Interest accrued on bond and mortgage loans, 70 00
Value of the land mortgaged, 0,000 00
Buildings, (insured for $12,600.00) 12,000 00
18,000 00
Storks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
' U. S. 5-20's, 18(5r>, new. coupons,. 49,000 00 50,347 50
tc .1807, " 36.000 00 37",980 00
.; 4 i' s " 13,000 00 13,438 75
« **s, 'registered, 42.500 00 42.87187
Municipal Bonds : —
Brooklyn City 7's, «MKKMM 21.200 00
Tota i $100,5011 00 $165,838 12 165,838 12
Cash in Company's principal office, 805 76
Cash deposited in bank 2,045 42
Interest due and accrued on stocks, 1,125 00
Net premiums in due course of collection,
6,809 37
Amount due for overpayment on re-insurance account 503 52
Assets of the Company at their actual value, $ 1 89, 79 7 19
III. LIABILITIES.
Net amount of unpaid losses 6,213 70
Interest due and declared remaining unpaid 732 84
:• [RE INSUKANOK GOKPAN1 2 19
1,000 00
'<■ W 54
00 00
i • t! H ii»ilui. iding capital, \>, :>\
18,149 85
IV. ENOOHE DUBIHG THE VKAK.
77.i'i-
ainenta ami return
prcmioma, .. 41,450
iges, 840 00
:i loans an>l dividends on Btooks and bonds 11,458 82
Lot sI7,s:»l> i!»
v. EXPENDITURES DUKING THE YEAK.
Amount paid for losses, (including $4,611.00 oocurringin predi-
on- 59,311 80
: in rash 10 '.<8
rbrokenura 5,002 02
19,04
Taxe> 108 4:5
Alio- and expenses 7,68
Actual oash expenditures, $91,260 in
VI. MI>CELLANEOI
N*.. r ; -;^ in force — all re-insnred.
nuns reoeiTed i >n of the Company 2,146.629 19
1,486.794 7»;
278, <"
C7.'
/.' ' im 1877
682 00
7:;7 :;-j
Loaaaa paid - h
2
250 REPUBLIC BIKE INSURANCE COMPANY'.
REPUBLIC FIRE INSURANCE COMPANY,
New York City.
Commenced Business, April 13, 1852,
Robert S. Hone, President. Duncan F Curry, Secretary.
Attorney in Connecticut, Judah Frisbie, New Haven.
I. CAPITAL.
Capital aotually paid up in cash, $300,000 00
II. ASSETS.
Real estate owned by the Company, unencumbered, 130,500 00
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 83,600 00
Interest due and accrued on bond and mortgage loans, 347 66
Value of the land mortgaged, $134,000
Buildings (insured for $12,000), 13,000
$147,000
Stocks and Bonds owned by the Company.
Par Value. Market, Value
U. S. Stocks : —
United States 5-20's, reg. '65 new,
' ' currency 6 s,
40,000 00
35,000 00
20,000 00
5,000 00
25,000 00
25,000 00
200 00
4,000 00
41,300 00
42.000 00
21,200 00
5,4-00 00
25,437 50
31,250 00
300 00
4,000 00
*• 5.20's, reg. 1867,...
' ; 10-40's, reg.,
" 4's, reg
Bank Stocks : —
National Bank of Commerce,
MiSCEI/LSNEOUS : —
New York Produce Exchange,
Delaware & Hudson Canal Co ,....
Total
$154,200 00
$170,887 50
170,887 50
479 27
Cash deposited in Bank,
9,101 80
REPUBLIC KIRK INSUKANCK COMI' INY.
Net premiums in dec 18,2!
All i»- to the Oompenj 1,441 00
in p iiiy nt th.ir actual value
Ill LIABILITU
1 and unpaid 98
Loss.- i 6,708 17
18,892 B8
2\
1,601
imonnt of unpaid losses 21,719 70
■ned preminma on fire risks, one year or less, f, 433 44
Unearn< d premiums on ria than one year 24,6 1
'in put .• 1 above 71,979 82
•ckholden remaining unpaid •_':;•_' 60
Liabilities ipital stock, 131 62
1 stock 800,000 00
Surplus beyond capital 16,66] 66
Total liabilities including capital and surplus
IV. INCOME DURING THE YEAR.
kfl received in cash 146,980 98
Deduct re insurance, rebate, abatements and return
preminma, 21,605 96
Actual cash p. 124,475 18
From interest on bonds and mortgages 5,846 00
From interest on loans and dividends on stocks and bonds 11,011 66
L8,6t
Actual cash income $16 J,'.'.".l 79
V. EXPENDITURES DURING THE TEAR
•ur-
7 ! .
.".«; i 7 1
252
REPUBLIC FIRE INSURANCE COMPANY.
VI. MISCELLANEOUS.
To Policyholders.
Amount of scrip dividends declared to date, $7,295 00
Scrip not actually delivered, 1,485 00
Scrip dividends declared during the year,
Marked-off or estimated earned premiums during the year,
Cash received for premiums on participating policies,
Risks in force having not more than one year
to run from date of policy, 18,584,671 00
Having more than one and not more than three
years to run from date of policy, . 5,211,830 00
Having more than three years to run from date of
policy, 381,238 00
$24,177,739 00
Premiums received since the organization of the Company,
Losses paid since the organization of the Company,
Cash dividends paid stockholders,
Stock owned by directors at date,
Loaned to officers and directors,
1,575
00
3,374
92
2,688
11
Premiums.
94,866
68
44,274 67
4,368 06
143.509 61
5,204,396 33
3,083,622 22
499,089 35
91,700 00
60,000 00
Business in Connecticut in 187'
Fire risks taken (no inland),
Premiums received,.
Losses paid,
597,892 00
6,020 58
4,258 92
KKVKKK
PIRI INBURAB Ml'ANV
REVERE FIRE ENSURANCE COMPANY,
:. 1875.
. i.MvN-, Frmi lent. * W. Bi u lory,
>. K: LLOOO, Hartford.
I. CAPITAL.
h I 00
II. A98ET&
I and mortgage, (first liens), not more than one
67,(
i on bond itinl iiu»rt. 1,629 44
Value of the land mortgaged I <><>
Vidua of boildi] or $64, I 00
§11 kOOO <><•
pany.
■ i!u<-. Hark
- - s : —
0. - I <"> 41,450 00
10,000 00 10.581
-
00 00 50 00
3,000 00 •'.. 780 00
15,000 00 15,000 00
KB: —
" 00 5,450
md *,600 00
5,000 no K) 00
I I 00
Metropolitan
Ea 1,500
5,51
Mt. . I mi bo 00
254
KEVEKE FIRE INSURANCE COMPANY.
Par Value. Market Value.
Miscellaneous : —
South Boston Gas Light Co.,.
E. & T. Fairbank & Co.,
10,00n 00
10,000 00
10.000 00
11,000 00
Total, $160,000 00 $171,882 50 1 171,862 60
Loans on Collateral.
Metropolitan Horse ft. ft.
United States 1881,
Broadway National Bank,
Chica. Burl. & Q. ft. ft.,.
Par Value.
2,500 00
1,000 00
1,500 00
1,000 00
Market Value.
8,050 00)
1,100 00)
1,200 CO
1,010 00
Total, $0,000 00 $6,360 00
Cash in Company's principal office,
Cash deposited in bank, ,
Interest due and accrued on stocks,
Interest due and accrued on collateral loans,
Net premiums in due course of collection,
Amt. Loaned.
2,600 000
200 00
250 00
$3,C£0 00
3,050 00
1,628 11
12,320 83
750 00
148 61
13,560 91
Assets of the Company at their actual value $271,850 40
III. LIABILITIES.
Losses adjusted and unpaid, 264 98
Losses resisted, 1,500 00
Net amount claims for losses,
Unearned premiums on fire risks, one year or less,
Unearned premiums on risks more than one year, .
38,207 37
21,304 69
Amount of unearned premiums as computed above,
Due and accrued for salaries, rent, &c
All other demands against the Company,
Total liabilities, except capital stock.
Capital stock,
Surplus beyond capital,
Total liabilities, including capital and surplus,
1,764 98
59,512 06
1,187 50
2,393 10
64,857 64
200,000 GO
6,992 76
$271,850 40
IV. INCOME DURING THE YEAft,
Premiums received in cash, 101,894 /JO
Deduct re-insurance, rebate, abatements and return
premiums 11, 929 02
A dual cash premiums,
From interest on bonds and mortgages,
From interest on loans and dividends on stocks and bonds,
Actual cash income,..
89,965 88
4,575 10
8,378 67
$102,919 65
\M RANCH COMPAN Y.
EXPEND] DUREa DURING THB JTEAR.
Amount paid for losses, (including $6,45 <
ring in preYion I
In t re-insuranoe *-'<> 84
I amount •.
Ossh dividends
Commissions <n- brokerage
Actual cash expenditure
VI. MISCELLANEOUS.
in force haTing not more thun one year to
■ V to run from date of policy B f 687,78S 00
ire than one and not more than three
years to run from date of policy 1.039,286 00
re than ti. to run from date of
•. 1,807,871 00
'.'.( 84,44
riums reoeiyed since the organization of the Company
1. - raized
paid stockholder,
at date
Loaned to stockholders not officers,
■fir -it in | -
dams reoeiTed on risks
1 1
10,000
00
17,188
1 1,024
M
1,166
B0
11,026
B7
>•.'.-.. i; ii
79
l'n ;ii i ti in
«
76,414
71
i:..oi;i
52
17.71 6
50
109,191
76
204,864
80
62,645
."•7
I0,< 00
i n
00
2,600
00
50
81
253 KIDGEWOOD INSURANCE COMPANY.
RIDGEWOOD INSURANCE COMPANY,
Brooklyn, N. Y.
Commenced Business. March 15, 1873.
Wm K. Lothrop, President. Wm. A. Scott, Secretary.
Attorney in Connecticut, C. W. Preston, Hartford.
I. CAPITAL.
Capital actually paid up in cash. $200,00) 00
II. ASSETS,
Beal Estate owned by the Company unencumbered, '..... 9,234 74
Loans on bond and mortgage, (first liens,) not more than one
year's interest due. 99,000 CO
Interest accrued ou bond and mortgage loans, 2,157 29
Value of the land mortgaged, $75,000 00
Buildings, (insured forg $99,000), 129,500 00
$204,500 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States 10-40's. 5's, 100,000 00 106,500 00
5's, 1881, registered 30,000 00 31,050 00
Bank Stocks : —
Long Island, 10,000 00 10,000 00
American Exchange National, 10,000 00 10,000 00
National Bank of Commerce, 5,00C 00 6,300 00
Manhattan Co., 10,000 00 14,000 00
Total, • $165,000 00 $179,050 00 179,050 00
Cash in Company's principal office 1,286 84
Cash deposited in banks, 5,233 84
Gross premiums in due course of collection, 7,595 27
All other property belonging to the Company, 108 33
Assets of the Company at their Actual value, $ 303.060 31
III. LIABILITIES.
Losses adjusted and unpaid, 4,642 00
Losses reported and unadjusted, 658 00
Net amount of unpaid losses. 5.300 00
K1DGKWOOD LNSUKANCK COMPANY
267
Unearnc 1 premiums 0:1 tire ri^k^. one year or less 29,886 96
rned premium more than one 'year 4,961 96
i navigation ri^ks B69 66
mt of anearne 1 premiums as oompnted above,
All oti. G tnipany,
-lock.
42,8! ir, 39
800,000 oo
60,770 i'L*
Total Liabilities in. -hiding capital and surplus, $8< 12,666 81
IV. INVOME DUKING THE YEAH.
Premiums h.
Deduct re-insuv tbate-
uit-:. torn premiums
Fire.
7 4,:;.-, 1 11
- ; :<>
Inland,
3,852 IT
365 51
Aetasl cssh premiums, 65,366 18 2,98
From i. bonds and mori
From interest on loins and divi lends on stocks and bonds,
From rent s
h income.
68,852 7!)
6,698 85
9,825 00
:•;<; 7-t
$8.~>,138 38
V. EXPENDITURES DURING THE YEAR.
Fire. Inland.
Amount paid for losses, .including Si,-
1 occurring in |»r.-v: 28,145 17 •".." 6 67
Dedu • re-insurance, \ 5 71
• amount p 28,099 I «; 67
Con. ir brokerage
All oti. :its and expenses,
lal cash expenditures,..
VI. IHSCELLANEOl
in fovea hai »re than one y
rur. 064,527 00
■
yearn to run from |
Having more than three years to run from date
of policy, 81
81,166 4.",
Q no
10,626 »<;
.;! 82
1,697
10,282 4 7
9,755,060 oo
-
IBM.
:.:•.«,.
8,1 •
258 ROCHESTER GERMAN INSURANCE COMPANY.
Premiums received since the organization of the Company, 4-77, 170 84
Losses paid since the organization of the Company, 110,925 23
Cash dividends paid stockholders, 02,000 00
Stock owned by directors at date, 43,500 00
Loaned to officers and directors, 10,000 00
Business in Connecticut in 1877.
Fire risks taken (no inland,) : 54,540 00
Premiums received on same.. 635 68
Losses paid, ,.. 490 82
ROCHESTER GERMAN INSURANCE COMPANY,
Rochester, N. Y.
Commenced Business, February 23, 1872.
Feederick Cook, President. Rudolph Vay, Secretary.
Attorney in Connecticut, C. M. Webstee, Hartford.
I. CAPITAL.
Capital actually paid up in cash, $'200,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 1,961 14
Loans on bond and mortgage, (first liens,) not more than one
year's interest due, 142,920 00
Interest due on bond and mortgage loans, 3,223 65
Stocks and Bonds oioned by the Company.
Par Value. Market Value.
U, S. Stocks : —
United States 10-40's, reg 75,000 00 79,687 50
11 new 5's 25,000 00 26,375 00
Municipal Bonds : —
Rochester City, 20,000 00 21,000 00
Total, $120,000 00 $127,062 50 127,062 50
:\l vn IN >MPANY.
'I is
Inter. 2, I
ciiiiiims in du< ' oolleotion it; 17
.1 V.illle
111. LlAHlLHIi
Lomom 648 00
i tnd unadjusted 2,250 00
intofunp 18 00
iror less,... $78,221 4:»
I remiamfl on 1 i - ar 18,818 01
Unearned premiums on inla I 50
I premiams as computed above, 97,004 00
d stock 99,902 00
200,000 00
69,201 05
Total liabilities, u tal and surplus $369,103 05
IV. INCOME DURING THE YEAR
Fire. Inland.
Premiums received in cash 204,257 69 'Jii'J 00
Deduct re-insuranoe, 1
and return premium < 33,144 83 70 00
171,112 (10 171,071 86
From interest on bonds and mortgages B,956 11
From inter* rtocks and bonds, 10,8
From all other aonrees 90 00
$191,878 58
v. DURING THi: IEAB.
Arao 81.50 occur-
Deduc-
■ :<\ 7.'.
lea and fees,
4,«
-Ail other j 11,7.
cash exp-
230 ROCHESTER GERMAN INSURANCE COMPANY.
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 15,117.623 00 156.422 98
Having more than one, and not more than three
years to run from date of policy,. 3,283,085 00 33,198 52
Having more than three years to run from date of
policy, 56,050 00 790 05
$18,456,758 00 190,431 55
Inland. Premiums.
87,600 00 929 00
Premiums received since the organization of the Company, 917,204 10
Losses paid since the organization of the Company, 405,989 31
Cash dividends paid stockholders, 67,000 00
Stock owned by directors at date, 38,100 00
Loaned to officers and directors, 22,200 00
Stock dividends declared 25.000 00
Loaned to stockholders not officers, 15,900 00
Business in Connecticut in 1877.
Fire risks taken, (no inland,) 0P.9,372 00
Premiums rceived on same, 5,972 77
Losses paid, 5,112 92
ROGRK WILLIAMS INSUKANCK COMPANY.
261
ROGER WILLIAMS INSURANCE COMPANY,
ii>! V r, II. I.
Oommenoed Business, August. i s iv
J. \v ii. Pbxdbicxs, Secretary.
I : ru GzLLl ; r, Hartford.
I. CAPITAL.
Capital actually paid up in cash. 00 00
II.
Loans on bond and morl t more than one
• due 75,0
Interest accrued on bond and mortgage loans 1,88
Value of the lands mortgaged 110,000 00
Buildiugs. (insured for 1 1 90,000 00
o,ooo no
8tocks and Bonds otonedby tht Company.
B :-»CK8 : —
••.
i mri
ii
*'
"■
rth
■
■*
All;
\V.
S
Par \
10,000 00
15.00
(Ml
<1 on
10 00
00
5,01
18.000 00
■ Vnhifl.
10,760 no
16,425
1 I.4O0 00
1 1,251
15,480
no
o oo
o I...
I rtsJ
-
262 ROGER WILLIAMS INSURANCE COMPANY.
Loaned to City of Providence, 20,000 00
Cash in Company's principal office, 4,291 16
Cash deposited in bank, 22,301 00
Interest due and accrued on stocks, 3,558 60
Gross premiums in due course of collection .... 56,621 52
Bills receivable, 10,022 57
Assets of the Company at their actual value, $385,059 76
III. LIABILITIES.
Losses adjusted and unpaid 22,473 68
Losses reported and unadjusted, 23,R6±|27
Net amount of unpaid losses, " 46,437 95
Unearned premiums on fire risks, onejear or less, 81,846 57
Unearned premiums on risks more than one year, 19,414^09
Unearned premiums on inland navigation risks. 394 62
Unearned premiums on unexpired marine risks, 17,478 51
Amount of unearned premiums as computed above, 119,133 79
Cash dividends to stockholders remaining unpaid, 135 00
Due and accrued for salaries, rent, &c, 850 00
All other demands against the Company, .*. 5,914 80
Total liabilities, except capital stock, , 172,471 54
Capital stock. 200,000 00
Surplus beyond capital, 1 2, 588 22
Total liabilities, including capital and surplus, $385,059 76
IV. INCOME DURING THE YEAR.
Fire. M. & In.
Premiums received in cash, 187,089 54 113,517 21
Deduct re-insurance, rebate, abatements
and return premiums, 14,545 51 9,065";76
Actual cash premiums, 172,544 03 104,451 45 276,995 48
Bills and notes rec'd for prems, remaining unpaid, 8,144 72
From interest on bonds and mortgages, 5,589 29
From interest on loans and dividends on stocks and bonds, 11,940 89
From all other sources, , 12 84
Actual cash income, $294,538 50
V. EXPENDITURES DURING THE YEAR.
Fire. M. & In.
Amount paid forlosses,(includ.$38,-
357.78 occurring in previous years) 147,398 47 94,134 01
Deduct re-insurance and salvages 571 06 1,876 8~)
Net amount paid for losses,... 146,827 41 92,257 16 239,084 57
.'. H.I.IAMs INSUKANCK UOMI 1 I
B ■
\ cpenditaree
; S
Premiums.
lu^ks in force h.ivn
run from date of policj 11,441.674 00 163,693 14
1 1 iv m : more than one and d
in to run from date of policy 1,211,142 00 16,519 21
Saving more t hmi \\. lo ran from dateof
of policy 1,569,165 "<» 22,962 <il
1 1,221,981 00 203,174 96
Marine & fnland. Pr< mlnme
721,159 00 167 75
Premiums ization of the Company .'!.:'
mization <>f tin- Company
dividends paid stockholders, 334, 0i
Stock owned by dir< 89,5!
I
88,000 on
I "77.
Fire and marin< 687,799 no
ivoil on ^ltne
1.
264 ST. NICHOLAS INSURANCE COMPANY.
ST. NICHOLAS INSURANCE COMPANY,
New Yoke City.
Commenced Business, July 31, 1852.
William Winslow, President. J. DuBois, Secretary.
Attorney in Connecticut, Silas Chapman. Jr., Hartford.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens) not more than one
year's interest due, 08,750 00
Interest accrued on bond and mortgage loans, 1.776 00
Value of the lands mortgaged, 79,000 00
Buildings (insured for $46,000.00), 44,000 00
123,600 00
Stocks and Bonds owned by the Cvmpany.
Par Value. Market Value.
U. S. Stocks : —
United States bonds 10-40's, 18,000 00 19.305 00
" G's. 1881 160,000 00 171,200 00
Municipal Bonds : —
New York County, 8,700 00 9,222 00
Total, $186,700 00 $199,727 00 199,727 00
Cash in Company's principal office, 1,843 28
Cash deposited in bank 5,265 84
Interest due and accrued on stocks, .-. 37 00
Gross premiums in due course of collection, 12,650 00
All other property belonging to the Company, 4,824 27
Assets of the Company at their actual valne, $289,373 39
III. LIABILITIES.
Net amount of unpaid losses, 13,554 62
Unearned premiums on fire risks one year or less, 55,074 64
Unearned premiums on risks more than one year, 3.691 37
Amount of unearned premiums as computed above, 58,766 01
>LAS l\ si K INCK COMPANY
All otb impany,
I
ek
•
1,21
74,118
200,000
16,254
'.'7
i.i)
12
tl liabilities, inolading oapital and surplus
IV. INVOMi: DURING THE YEAR.
i ifa 184,867 10
iranoe, rel menta and return
7,ni"i 7i
-!i premiums 127,251 69
From ads and m< j 8,762 60
L dividends od 12,821 7<»
rent 123 < <>
t 1 18, :
V. EXPENDITURES DURING THE TEAR.
Amount pa i ring in pre-
28,6
■ r allowed I 17..'}7<i 00
Paid! l.lil 15
All other payments and e\ l#,52G 95
Aetnaleaah expenditures, $178,611 26
VI. MISCELL
I'rfniiinns*.
B in force having re than one year to
tut. • 20,389,554 00 110,147 29
than one anl not more ti
'.:<•>• 41o.!i::; no 1,450 46
us t(» rui: from d
P«>; H5 f 500 on 1. 1
116,027 <»•) 116,0
'» 47
1,8 11,1'
23
INIU 00
i
Losses paid
266 ST. PAUL F. AND M. INSURANCE COMPANY.
ST. PAUL FIRE AND MARINE INSURANCE COMPANY,
St. Paul, Minn.
Commenced Businsss, May, 1865.
O. H. Bigelow, President. C. A. Eaton, Secretary.
Attorney in Connecticut, C. C. Kimball. Hartford.
I. CAPITAL
Capital actually paid up in cash, . $400,000 00
II. ASSETS.
Real estate owned by the Company unencumbered...... 110,814 45
Loans on bond and mortgage, (first liens), not more than one
year's interest' due, 117,981 33
Interest due and accrued on bond and mortgage loans, 4,610 65
Value of the land mortgaged, $142,800 00
Buildings, (insured for $67,350), 98,500 00
$241,300 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
Municipal Bonds : —
City of St. Paul, Treas. Cer., . 90 34 90 34
' Minneapolis, 1.500 00 1,500 00
" Stillwater, 10,000 00 10,000 00
" Mankato, 8,500 00 8,500 00
Town of Detroit, 4,000 00 4,000 no
County of Rock, 24,000 00 21.000 00
'• Cass, 7.400 00 7,400 00
Aitken 3,200 00 3,200 00
« Becker, 1,860 00 1,860 00
Pine, 7,757 00 7,757 00
" Ramsey, 1,000 00 1,000 00
School District, Otter Tail County, 1,000 00 1,000 00
St. Cloud, 100 00 100 00
Bank Stocks : —
First National, St. Paul 20,000 00 2«,000 00
Merchants " 12.000 00 13,540 00
First " St. ?eter, 3,600 0q 4,140 00
ST. PAUL K. AND M. INSURANCE COMPANY,
)\ir Value T Value.
i
116,654 94 14 04
. 1st lien 1,78*3 l,78S
• : —
St. ; <"» -.-■ 00
bda., 00 00
$161,151 08 $171,281 08
71,281 08
Loam on
Pai Value.
64,500 00
10,000 <><>
~(i on
4,500 00
-
5.000 00
P*nl
g |
March.
Sayings Bank,
I .nk. Bad wing,..
Stillwater,..
Lnmberm'i
Kink. Minneapolis 1,500 00
(. t
l"s pref., *,000 00
St.P..s. ft X P.R.B land bda 9,400 00
St. Paul r
Plow Woiks, 8,000 00
llfg. C i
Watehae A EL b la
Pi >• Bar Pn n I "... 50,000 00
Seymour. Babin «fc Co. nifg., 6,800 00
si Co...... 5,000 00
Light Co 5,000 00
Aitkan ( I
American Expre>s Co
('<,! hit,
Market Value.
90,800 00
10.080 00
8,750 00
6,625 00
9,600 00
i mi
1,50
$20 00
4,01
i no
, .-, 00
2,250 <
676 00
64 )
500 00
o 00
50 00
2,500 00
r.oo oo
240 00
An.!. Loaned.
- i 00
11,920 00
3 00
2,288 71
8,635 00
8,000 <>"
5,000 00
1. :*'.".) 00
99,652 08
8,000 no
00
60,906 00
1,500 00
coo 00
414 (JO
12,621 92
4,700 00
1,800 62
1,600 00
400 00
2(»o «
) $435,736 00 > M 293,608 88
Cash in Company's principal office,
Cub I B nk
Inter
ie and accrued on collateral loans,..
ami indue course of collection
Bills reoei
All other property belonging to the Company,
51,844 15
6,12
11,889 64
-'1 07
7,429 16
11.412 ".4
Assets of the Company at th-ir a tnal value,
III. LlAHII.nil
dd,
9,164 24
Los-
268 ST. PAUL F, AND M. INSURANCE COMPANY.
Unearned premiums on fire risks, one year or less 181,392 05
Unearned premiums on risks more than one year, .... 95,530 61
Unearned premiums on inland navigation risks, 3,983 00
Amount of unearned premiums as computed above, 280,905 66
Total liabilities except capital stock, 297,886 16
Capital stock, 400,000 00
Surplus beyond capital, 152,176 08
Total liabilities including capital and surplus, $850,062 24
IV. INCOME DURING THE YEAR.
Fire. Inland.
Premiums received in cash, 492,467 09 148,73126
Deduct re-insurance, rebate, abate-
ments and return premiums, 56,370 50 10,624 63
Actual cash premiums, 436,096.59 138,106 63 574,203 22
Bills and notes received for unpaid premiums $7,429 15
From interest on bonds and mortgages, 10,495 02
From interest on loans and dividends on stocks and bonds, 53,693 37
From all other sources, 5,778 45
Actual cash income, $644,170 06
Unearned premiums represented by installment notes, $104,000
V. EXPENDITURES DURING THE YEAR.
Fire. Inland.
Amount paid for losses, (including $41,-
355.02 occurring in previous years,... 334,911 58 168,119 83
Deduct salvage and re-insurance, 3,170 80 10,804 26
Net amount of unpaid losses, 331,740 78 157,315 57 489,056 35
Cash dividends, 66,696 47
Commissions or brokerage. 83,9G2 50
Salaries and fees, 32,320 91
Taxes, 15,901 14
All other payments and expenses, 34,986 42
Actual cash expenditures, $722,923 79
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 23,486,494 00 362,784 11
Having more than one and not more than three
years to run from date of policy, 7,129,179 00 95,249 82
Having more than three years to run from date of
policy, 4,630,173 00 85',270 14
35,245,846 00 543,304 07
Inland. Premiums.
198,540 00 7,96
::•: IN5UKAN0K CONPA1
■
ioD <>;' ;'. . 2, 1
11'"'.:
,....- 171,110 71
229, .
me
SAFEGUARD FIRE INSURANCE COMPANY,
k City.
Commenced Business. January, i
nt. . I ames Yereance. Seer
iven.
I. CAPITAL.
<'apital ar*tnally paid up in ca*b #200,000 00
II. ASSETS.
• doe
Value "f ' > 00
Boil i
nit
'■
: —
-
270
SAFKGUARD F1RK 1NSUKANCK COMPANY.
Municipal Bonds : —
City of New York 7's, asse'mt '78,
" 7's, S. Sinking Fund,
7's, Improvement '92,
'' 7's. Consolidated '94,
New Brunswick, N. J. 7's, 1878,..
" " 7's, 1890,.
Par Value.
20,000 00
10,000 00
5,000 00
10.000 00
2,000 00
5.500 00
Market Value.
20,200 00
11,000 00
5,650 00
11,400 00
2,000 00
5,720 00
Total,
.$'277,200 00 $308,515 00 308,515 00
Nat. Bank, Jersey City,
St. Nicholas Nat. Bank, NT.
Chatham Nat. Bank. N. Y.,.
Nat. State Bank, Newark,
N. Y. Cen. R. ft. debt. cert.
United States bonds, 1881,..
Sacremento, Cal., bonds,
Hanover Fire Ins. Co
Commercial Fire Ins. Co., . .
Great Western Ins. Co.,
Westchester Gas L. Co ,...
Brooklyn " "
Loans on
Par Value.
5,000 00
4,000 00
751) 00
900 00
4,000 00
1,100 00
2,000 00
1,500 00
750 00
800 00
1,100 00
1,000 00
Collateral.
Market Value.
6,250 00
3,400 00
915 00
1,035 00
4,200 00
1,177 00
1,500 00
1,875 00
1,125 00
700 00
935 ()0
1,700 00
Amt. Loaned.
5,000 00
3,000 00
000 00
900 00
3,25(1 00
1,100 00
1.000 00
1,200 00
ooo oo
000 00
850 00
500 00
Total, 122,900 00
Cash in Company's principal office,
Cash deposited in Bank, ,
Interest due and accrued on stocks,
Interest due and accrued on collateral loans,..
Gross premiums in due course of collection,...
All other property belonging to the Company
24,872 00 $18,000 00
18,000 00
9,515 97
9,G5l 12
800 00
223 80
12,777 33
2.100 00
Assets of the Company at their actual value, $393,189 22
III. LIABILITIES.
Losses adjusted and unpaid, (not due.) 444 00
Losses reported and unadjusted, 7,921 00
Losses resisted, 5,769 00
Net amount of unpaid losses, ...
Unearned premiums on fire risks, one year or less,
Unearned premiums on risks more than one year
Unearned prems. on unexpired inland navigation risks,
50,204 75
8,235 01
750 25
Amount of unearned premiums as computed above.
Due and accrued for salaries, rent, &c,
All other demands against the Company,
Total liabilities, except capital stock,
Capital stock,
Surplus beyond capital
14,134 00
59,190 01
1,000 00
1,910 00
70,240 01
200,000 00
116,942 01
Total liabilities, including capital and surplus, $393,189 22
i rUAKD I I' : INSl KANCK CON
271
lv. INCOME DURING THE YEAR.
i ind.
Premiums reoeiyed in cash I 1,80-1 i."»
ib tuenta
9,79 I 7 1 150 00
.1 oash premiums 133,364 58 1,654 i.
i : loans and divi lead tooks and bonds
Prom alio! .
019
03
•>
17<>
00
18
12
l
99.1
. income
EXPENDITURES DURING THE VKAK.
Inland.
Am Mint paid for losses, (including -
78,411 82
79 ;»i
mount paid fori >
as <>r brokerage
.
All o\.
0,035 19
1- 27
,<)17 22
ih expenditures,
80,849 60
00 00
22, iS
17,550 oo
2,5.'
15,177 71
1170,211 15
VI. MISCELLANEOUS.
- in force haying not more than one year to
ran from date of policy 16,845,420 00
I more tL t more khan three
years to run from date of policy 1,236,!
• • run from dal ) of
policy . . 272,
18,358,917 00
Inland.
49,500 00
i of tli<- ( lornp my...
I.
100,41
9,6! i
113, I
1,51
:;j7." ,
118.1
1 1,1 I
i i - 7 ;
Premi .
272 BHAWMUT INSURANCE COMPANY.
SHAWMUT INSURANCE COMPANY,
Boston, Mass.
Commenced Business, September 23, 187.5.
Wm, S. Denny, President. TJ. C. Crosby. Secretary.
Attorney in Connecticut, J. D. Browne. Hartford.
I. CAPITAL.
Capital actually paid up in cash, $500,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 50,500 00
Interest accrued on bond and mortgage loans, 1,202 75
Value of the land mortgaged, $55,700
Buildings (insured for $30,500), 52,800
$108,."00
Stocks and Bonds owned by the Company.
Par Value. Market Value
U. ; S. and State Stocks : —
U. S. bonds reg. G's, 1881, gold,.. 100,000 00 10(5,375 00
" " new 4^'s, gold,.. 10,000 00 10,350 00
" 5-2 0's coupon bonds 6's, 100 00 108 50
Massachusetts 5 per cent., 100,000 00 110,000 00
Municipal Bonds : —
City of Boston, Mass. water, 5's, 100,000 00 109,500 00
< ; Newton " G*s, 50,000 00 50,250 00
i; Fall River " 5's, 40,000 00 41.700 00
* ; Danvers '' 5's. 50.000 00 51,000 00 .
Rank Stocks : —
First Nat. Chelsea, Miss 1,200 00 1,320 00
Merchandise Nat. Boston. Mass.,. 10,000 00 10.000 00
Manufacturers " " . ... 10,0)0 00 0,0,12 50
Continental " " ... 5,000 00 5.000 00
Total, $470,300 0) $511,506 00 511,500 00
Cash in Company's principal office, 1,978 51
Cash deposited in Hank, 0,695 37
SHAWM UT LNSl KANCK COMPANY
dums m (1 ; i
I . i 13 •_';; ;
earitv for double thi
A- p inj ;it their netnal vain .
III. LIABILITIES
imp J 1 ■ 22
1 4,219 >
nnpai 1 losses l _? . ~> : " < > 22
iams on B 2 48
dums on risks more ti 21,702 16
I premium above,
Dae ei
liabilities
Surpl tl
120,564 63
4.:.
122 78
500,001
2,041 7<;
Total liabilities including capital and surplus $039,064 4'.»
0ME DURING THE YEAR.
289,070 12
iama receive 1 in oash
Dents and return
;•; 18
Actual eaah premiums,,
From interest on bonds and mortgages
From interest on loans and divi I bonds.
h income.
93 64
1,759 50
-
V. EXPENDITURES DURING THE YEAR
Amount paid for - .'-'l occurring in preTJ
Comni is
Salaries and : B,
All oth-ir payments and exj
717 19
240 41)
19,1
11,45
15,526 16
vi. m:
to run from date of poU
201,27
274 SHOE AND LEATHER INSURANCE COMPANY.
Having more than' one and not more than three
years to run from date of policy, 3,437,866 00 22,016 80
Having more than three years to run from date of
policy, 566,494 00 6,650 15
17,405,770 00 220.040 86
Premiums received since the organization of the Company, 545,278 95
Losses paid since the organization of the Company, 208,845 01
Stock owned by directors at date, 136,500 00
Business in Connecticut in 1877.
Fire risks taken (no inland), 269,888 00
Premiums received, 3,012 00
Losses paid, 4,832 13
SHOE AND LEATHER INSURANCE COMPANY,
Boston, Mass.
Commenced Business, Jan. 1st, 1873.
John C. Ajbbott, President. ' Henry B. White, Secretary.
Attorney in Connecticut, J. W. Smith, Waterbury.
I. CAPITAL.
Capital actually paid up in cash, $300,000 00
II. ASSETS.
Loans on bond' r "and mortgage, (first liens), not more than one
year's interest due, 45.000 00
Interest accrued on bond and mortgage loans, , 978 34
Value of the land mortgaged, $40,000 00
Value of buildings (ins. for $43,000.00) 50,000 00
$00,000 00
BHO* wi> LKATHKH IN8 COM PA 1
■ Jne. Muiix-t Vain*
I 00 51,81
.1 in*
85,0 10 00 26,625 00
10,000 00 10,80 > 00
: 0,000 00
a -J so
m of Woburn, I
Bi • •'.:.:■ • . 1878 ■•> 00
.s: —
85,80 I <">
10.0 mi ". i
20,000 00 10 00
1 1.025 00
8.10 l.l-:: 00
: :. 16 75
L6,700 00 17,48 » 62
-.1-1 00
;-, (.(i
of B •■\.'- ... 5, Ml I 7,083 50
- : -
25,0 '» 00
21.000 00 11,180 00
86,845 91
,nh in rlu d 19, '
§678,751 12
III. LlAl;ILITii
i
8,10
»74 08
Unea: I 08
I Ml
8 '.»l
in.;
276 SHOE AND LEATHBK INSURANCE COMPANY".
Capital stock, ; 300,000 00
Surplus beyond capital, 102,309 25
Total liabilities, including capital and surplus, $673,751 12
IV. INCOME DURING THE YEAR.
Fire. Marine.
Premiums received in cash, 135,81-1 27 118,211 21
Deduct re-insurance, rebate, abatements
and return premiums, 3,047 89 6.740 87
Actual cash premiums, 132,766 38 111,470 34 244,236 72
Bills and notes for premiums remaining unpaid, $73,906 26
From interest on bonds and mortgages, 2,100 00
From interest on loans and dividends on stocks and bonds 27.552 57
Actual cash income, $273,889 29
V. EXPENDITURES DURING THE YEAR.
Fire. Marine.
Amount paid for losses (including 18,-
454. 74 occurring in previous years, 65,087 43 52,175 68
Deduct re-insurance, 4,780 01
Net amount paid for losses, 65,087 43 47,395 67 112,483 10
Cash dividends, , 30,000 00
Commissions or brokerage, 27,326 74
Salaries and fees, 14,180 00
Taxes, 3,901 33
All other payments and expenses, 12,745 12
Actual cash expenditures $ 200,636 29
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 9,404,515 00 110,960 07
Having more than one and not more than three
years to run from date of policy 2,153,889 00 54,694 44
Having more than three years to run from date of
policy, 3,677,220 00 56,636 05
15,235,624 00 202,290 ^6
Marine. Premiums.
1,629,463 00 76,063 91
Premiums received since the organization of the Company 1,134,575 64
Losses paid since the Company organized, 421,238 01
Cash dividends paid stockholders, 120,000 00
Stock owned by directors at date, 52,800 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 365,005 00
Premiums received on same, t 3,908 70
Losses paid, 2,432 70
SPRINGFIELD FIRE AND MARINE [NSURANCK
COMPANY,
Commenced Basin*
I > w i . - rvobs J. Ham.. Qterttary.
'tieutj w. E. Bakxb, Hertford
I. CAPITAL.
Capital actually paid up in cash, $790,000 00
II. ASSETS.
•owned by the Company unencumbered 134,900 <»<>
. tnd mortgage, (first liens,) not more than one
,599 o.">
Inter- L accrue! on bond and mortgage loans, 12,546 3tf
Value of the land mortgaged I 00
Buildings, insured for | 522,500 00
|787,0 " 00
•'.-.« and B \ny.
. oe. Market Value.
a -
eg. ... 100,000 <i<» 1 19,000 00
■. i-t M.. 1,700 1,700 00
t -< 00
a, 1st moil I 00 1 1,600 00
Boston a 50,
Boston an! Providence
00
w.-r water and
N . i . V I i A- 1 1 •
278
SPRINGFIELD F. AND M. INSURANCE COMPANY.
Par Value. Market Value.
Bank Stocks : — •
John Hancock Nat. Springfield... 5,000 00 6,500 00
Agawarn " " .... 10,000 00 12. SCO 00
Chicopee " " .... 10,400 00 16,(540 00
Pynchon " '■ .... 8,000 00 12,960 00
Second 4i " .... 2,400 00 4,320 00
Third " " .... 20,000 00 32,000 00
Ware " Ware, 10.000 00 12,500 00
First " Northampton 3,400 00 4,250 00
Monson " Monson, 1,000 00. 1 100 00
Merchants " Boston, 10,000 00 13,200 00
Atlas National, Boston, 10,000 00 11.300 00
Howard " 10,000 00 11,200 00
Webster " a 10,000 00 10,200 00
Boyalston " 15,000 00 18,000 00
Eliot '• 10,000 00 11,000 00
Nat. Bank of Commerce, Boston, 10,000 00 10.000 00
National Bank of Commerce, N.Y. 5.000 00 6,250 00
Total, $674,400 00 $851,900 00
851,900 00
Loans on Collateral.
Par Value.
N. Y., N. H. & Hart, K. R., 1,000 00
Agawarn Nat. Bk. Spring'fild 2,000 00
U. S. bonds 6's, coupons,.... 2,000 00
Second Nat. Bk. Springfield 2,000 00
Chicopee " " 800 00
Third " " 1.000 00
Springfield Gas Light Co 2,400 00
Glasgow Co., S. H. Falls,.... 900 00
Agawarn Nat. Bank, 300 00
West-field Gas Light Co., 3,500 00
Massasoit Paper Mfg. Co 7,500 00
Agawarn National Bank, 1,000 00
Market Value. Amt. Loaned.
1,500 00 1,000 00
2,500 00
2,100 00
3,600 00
1,280 00
1,600 00
3,600 00^1
900 00 '
■ 375 00
3,500 00 j
9,000 00"
1,250 00
2,275 00
2,000 00
1,500 00
1,140 00
900 00
Y 6.355 71
,000 00
,000 00
Total, $24,400 00 $531,205 00 $23,170 71
Cash in Company's principal office
Cash deposited injbanks,
Interest due and accrued on stocks,
Interest due and accrued on collateral loans,
Gross premiums in due course of collection,..
Rents due and accrued,
Assets of the Company at their Actual value,
23,170 71
9,439 89
95,952 88
16,302 00
810 04
95,095 74
1,312 52
1,636,029 71
III. LIABILITIES.
Losses adjusted and unpaid, 22,215 45
Losses reported and unadjusted, 39,73!) 88
iNl) A. INSURANCE COMPANY
70,039 81
1.7' ii i ii
ims on ii i 14
.
Amonnj of m
All othei |
I •' 59G !
750,000 00
289,1
tal liabilities inoluding aapital and snrplns 29 71
IV. DURING THE *EAB.
' R 25, 854
nrn
89,035 94
18 12
I .'l 80
d dividends on I bond* ,990 18
all othei 8,2*
AotuaJ |8J ,554 98
V. EXPENDITUEE8 DURING TflE Vi'.AH.
Amount | - :* i • 1 tat • ur-
ring in i ;!<;<>. '.»|(> 19
Dedu • 9,501 20
851 . ! I
75,1
2 19 ;:<>
286 17
Act
VI. MISCELLANE
:• to
n.:
policy,
280 STANI>AKN FIRE INSURANCE COMPANY, N. Y.
Premiums received since the organization of the Company, 9,611,618 81
Losses paid since the organization of the Company. 6,030,35!) 54
Cash dividends paid stockholders, 1,167,042 00
Stock owned by directors at date, 186,100 00
Loaned to officers and directors, ' 104,456 67
Stock dividends declared, 250.000 00
Loaned to stockholders not officers 99, 143 05
Business in Connecticut in 1877.
Fire risks taken, (no inland), 2,1)90,368 68
Premiums received on same, 34,847 72
Losses paid, 22.496 44
STANDARD FIRE INSURANCE COMPANY,
New Yokk City.
Commenced Business, March 29, 1859.
William Cp.ipps, President. William M. St. John, Secretary.
Attorney in Connecticut, W. E. Baker, Hartford.
I. CAPITAL.
Capital actually paid up in cash $200,000 00
II. ASSETS.
Loans on bond and mortgage, (first liens) not more than one
year's interest due, .'.. 45,500 00
Loans on bond and mortgage, (first liens), more than one year's
interest due, (of which $5,000.00 is in process of foreclosure), 5,000 00
Interest due and accrued on bond and mortgage loans, 819 56
Value of the land mortgaged, $.51, 000 00
Buildings, (insured for $50.500) 50.500 00
$101,500 00
STANDARD KIKK INBUKAJ PANY, S. V. 231
S
Murk.-t Value.
q. a 6
Q. £ 100,000 00 102,501
•• ] . •• : 10 00
Diet of v 1924 165,000 00 126,800 00
-
ral.
Pat Vain,-. Ma Amt. Loaned.
00 8,0 2,000 <>(»
in bank
ion collateral loam
minma in d
:' the Gompanj at their actual value $ I
III. LIABILITY
\'jr, :.\j
..urns on fl
L premioms on ric fear,.... 1<),4U6 7'J
2,000 00
4<»:5
;:
14,169
1!
11
66
5,644
88
Ainoniit of unearned premiums as computed above 46,870 82
Due and accrued for rent. advertising, &c
All other demands against the Company. 1,048 46
Total liabilities, except capital stock, 48,208 96
«k 200,000 "'I
Surplus bejond capital. 160,1 4 1 58
■ J liabilities, including capital and surplus, ?4 <•>.'_'••
IV. INCOME DUBING THE YEAIt.
Premiums received in ca-h 97.721 44
: rebate, abatements ami return
premiums. 11,216 11
tal cash premium-
-/es,
a loans and dividend
fjl<
V. ETPENDJTUBES DURING IB,
ir-
nng in t 01
Deduct salvage.
282 STANDARD FIRE INSURANCE COMPANY, N. Y.
Cash dividends,, 24,710 00
Commissions or brokerage, 10 97(> 47
Paid or allowed for salaries and fees, 21,779 43
Paid for taxes, 2,135 84
All other payments and expenses, 10,538 35
Actual cash expenditures, $121,269 73
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 10,806,168 28 71,927 07
Having more than one and not more than three
years to run from date of policy, 1,456,792 04 12,354 05
Having more than three years to run from date of
policy, 519,740 00 6.501 12
12,782,700 32 90,782 24
Premiums received since the organization of the Company, 2,055,715 79
Losses paid since the organization of the Company, 1,211,490 78
Cash dividends paid stockholders, 401,260 00
Stock owned by directors at date, 59,600 00
Loaned to directors, 9,000 00
Loaned to stockholders, not officers, 13,000 00
Business in Connecticut in 1877.
Fire risks taken, (no inland), 288,531 25
Premiums received on same, 2,901 72
Losses paid, 3,258 19
STANDARD FIRE INSURANCE OOHPANY, N. J. 285
STANDARD FIRE INSURANCE COMPANY,
i rov. N. J.
Commenced Business, Feb. 82, 1
Wm. Doltox, P Jos. B. Wright, Secretary.
riuy in ('>>>< ntcticut. 0. W, Preston, Hartford.
I. CAPITAL.
Capital actually paid up iu cash, $200,000 00
II. ASSETS.
Real estate owned by the Company unencumbered, 200 00
Loans on bond and mortgage, ( rirst liens, ) not more than one
• due 171,104 00
Interest due on bond and mortgage loans, 5,871 11
Value of the land mortgaged, 168,160 00
BuiliLngs, (insured for $116,560.00) 199,400 00
867,550 00
Stocks and Bonds owned by the Company.
Tar Value Market Value.
Stocks : —
United States currency, 6*8 6,000 00 7,140 00
6-20*8, 1 ><;*.», coup., 600 00 - 76
1868, coup., L'.:.oo 00 8,6ft
Railroad Bonds : —
Albany A Susquehanna, 1,000 00 1,080 no
N. V. a Brie UA marl 6,000 00 6,680 00
• ral Pacific, gold, 6,000 00 7 50
•ad Stocks : —
United X. J. EL It. ,t Canal Co... 16,000 00 18,800 00
>TOCK8 : —
First National. Trenton 00 4,810 "to
M. ohaniot, 6,000 00 6,600 00 '
Trenton Banking Co., Trenton,... 7,200 00 7,200 00
• d, $61,900 00 $60,180 00 60,190 00
Pa: :«L
agton Mar 1,040 00 1/04
'h Ward Land stock,... 2,260 00 8,1
284
Par. Value. Market Value. Amt Loaned.
First Nat. Bk., Trenton, stck. 9,600 00 11,4(30 00 4,840 71
Rutherford Land Asso. stck. 7,200 00 7,200 00 4,000 00
Farm. Nat. Bk., Bristol, Pa.,. 5,000 00 6.000 00 1,500 00
Mech. " Trenton, 3,000 00 3,900 00 1,000 00
Total, $28,090 00 $31,600 00 $13,840 71 13,840 71
Cash in Company's principal office, 13,036 58
Cash deposited in bank, 7,426 22
Interest due and accrued on stocks, 1,162 30
Interest due and accrued on collateral loans, 931 32
Net premiums in due course of collection, 25,481 98
Bills receivable 130 00
Salvage property and claims on losses already paid, 2,000 00
Assets of the Company'at their actual value, $301,304 22
III. LIABILITIES.
Net amount of unpaid ] losses, 14,513 19
Unearned premiums on fire risks, one year or less,... 61,451 85
Unearned premiums on risks more than one year, ... . 16,947 04
Unearned premiums as computed above, 78,398 89
Total liabilities except capital stock, 92,912 08
Capital stock, 200,000 00
Surplus beyond capital 8,392 14
Total liabilities, including capital and surplus, $301,304 22
IV. INCOME DURING THE YEAR.
Premiums received in cash, 172,846 49
Deduct re-insurance, rebate, abatements and return
premiums, 18,920 23
Actual cash premiums, 153,926 26
From interest on bonds and mortgages, 12,129 10
From interest on loans and dividends on stocks and bonds, 3,801 58
Actual cash income, $169,856 94
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $21,268.46 occur-
ring in previous years), 116,368 29
Deduct salvage and re-insurance, - 2,188 16
Net amount paid for losses,. .* 114,180 13
Commissions or brokerage. , .., 36,820 98
STANDARD K1KK INSURANCE COMPANY, N. J,
285
Taxes
All other payments ind expenses,
I 00
10,681 l.".
Actual sash expenditures, (170,5811 IS
VI. MISCKLLANEOl'S.
Risks iti fbros having Dot mors than one year
ko run from dele of polio? 7,818,900 00
Having mors than one and not more than three
3 to run from dete of policy 873,s:;; 00
Having more than thrss ySSTB to run from date
of policy 1,101,864 00
9,789,187 00
Prsminms rsosived Bines ths organization of the Company,
ss paid sines ths organisation of the ComLsny
paid stockholders
Stork owned by directors si date
offioers and din
Loaned to stockholders not officers
Premiums.
129,097 91
12,182 04
20.:;,:: 77
162,088 72
:.77.ilO 07
827,869 12
37,000 00
116,85 1
47,760 oo
4,800 00
' in 1 B77.
Fire, risks taken, (no inland)
. 1ms received on same
1
234,148 67
286
STAR FIRE INSURANCE COMPANY.
STAR FIRE INSURANCE COMPANY,
New Yoek City.
Commenced Business, December 2, 1864.
Nicholas C. Miller,' President James M. Hodges, Secretary.
Attorney in Connecticut, C. C. Kimball, Hartford.
I. CAPITAL.
Capital actually paid up in cash, $200,000 00
II. ASSETS.
Ileal estate owned by the Company unencumbered, 16,000 00
Loans on bond and mortgage, (first liens,) not more than one
year's interest due, 121,100 00
Interest due on bond and mortgage loans, 1,988 00
Value of the lands mortgaged, 163,000 00
Buildings, 155,500 00
318,500 00
Stocks and Bonds owned by the Company.
Par Value- Market Value.
U. S. Stocks : —
U. S. bonds 4£'s coupons, 1891,.. 165,000 00 170,981 25
" 6'3, coup. 5-20'snew'65 10,000 00 10,275 00
Total, $175,000 00 $181,256 25 181,256 25
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Park Fire Ins. Co., 500 00 600 00)
Citizens Bank 1,875 00 2,025 00 r 3,295 50
Bergen County Bank, 1,000 00 1,000 00*
Dry Goods Bank, 1,000 00 100 00
Security Bank, 1,000 00 250 00
North River Bank, 2,500 00 1,750 00 1
Park Fire Ins. Co. 600 00 720 00 >
N. Y. Nat. Exchange Bank,. 6,000 00 6,000 00 4,000 00
Shoe & Leather Bank, 1,200 00 1,440 00 1,200 00
480 00
2,000 00
: FIRE INSURANCE COMPANY
value.
:ik
| (X)
71
I 00
(II)
• •
i no
| no
I 00
\.: ■
2,000 00
2,000 oo J
- ■ Bail
oo
00 00
00
North B k
4,6€
L,54
Import.
■o 00
2,760 0OJ
6,000 <»o
1,00 1
Richmond 1
500 00
600 oo
-on 00
2,000 00
L,»
Gebhard Ins. '>
-
I HI)
1,200 00
Grocers Bunk.
:j I
8,000 00
Colun.i
1,60"
900 00
Chicago A North W. K. R...
6,440 00
4,600 00
German Ameii an Bank
' B0-)
Union Bank, Bahway
2,000 00
Central K. R. X. I
;• i6,7i
X. J. R. R.
,() oo
N. Y. •
1,400 00
oo
Central R. EL N. J. oonaoL..
1,800
Fire Ins. Co.,
» 00
1,000 00
L5 no
25 00
1,060 00
, no
00
r loan,
: (
-.'.-, 60
;i Company's principal
Cash deposited in ban
office
15,307 oo
6,789 :.l
Interest due and
collateral lo
of collectio
ins
1 B42 '-'7
Net premiums in due course
n
1 1 . •_' 1 6 1 « »
All other property belonging
ipanj
400 00
irity bunk
so no
Assets of the Company at their actual value
III. LIA15ILITI.
Loss. I and unpaid 10,419
7.7 ;
;
f nnp. iid loaaoi,
-ks, one ye
pn adorn
' 17
irned premium I
Dae ar.
All oth
.
G 17
288 STAR FIRE INSURANCE COMPANY.
Capital stock, 200,000 00
Surplus beyond capital, 129,281 83
Total liabilities, including capital and surplus, $418,423 53
IV. INCOME DURING THE YEAR.
Premiums received in cash, 136,162 48
Deduct re-insurance, rebate, abatements and return
premiums, 14,224 70
Actual cash premiums, 121,937 78
From interest on bonds and mortgages, 8,864 15
From interest on loans and dividends on stocks and bonds, 15,030 25
From rents, 934 95
Actual cash income, $146,767 13
V. EXPENDITURES DURING THE YEAR,
Amount paid for losses, (including $4,126.76 occur-
ring in previous years,) 69,322 79
Deduct salvage and re-insurance, 34 81
Net amount paid for losses, 69,287 98
Cash dividends, 35,000 00
Commissions or brokerage, 5,129 71
Salaries and fees, 20,298 83
Taxes, 5,147 22
All other payments and expenses, 27,586 00
Actual cash expenditures, $162,449 74
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 14,817,604 00 111,404 33
Having more than one, and not more than three
years to run from date of policy, 1,489,428 00 13,821 96
Having more than three years to run from date of
policy, 368,082 00 5,240 14
16,675,114 00 130,466 43
Premiums received since the organization of the Company, 1,951,933 44
Losses paid since the organization of the Company, 1,047,459 87
Cash dividends paid stockholders, 244,791 77
Stock owned by directors at date, 101,400 00
Loaned to directors, 41,695 00
Loaned to stockholders not officers, 12,750 00
Business in Connecticut in 1877.
Fire risks iakeu, (no inland,) 167,751 00
Premiums rceived on same, 2,154- 62
Losses paid, 1,120 50
IKM'K'IS' INS! KANCK COMPANY'.
TRADERS 1 [NSURANCE COMPANY,
OBXaAOO, III.
Commenced Business, February. I -
i'h^ nt. ElOBXBT J. Smith, BtOTti
LI ■. . ( '■■"I'tirnt, Hu.ra (in.i.r.TT, Hartford.
I. CAPITAL.
Capital actually paid ap in cash $600,000 00
II. ASSETS.
Heal estate owned bj the Company unencumbered, 11,482 24
i owned by the Company.
Par Value. Market Value.
U. S. Stocks: —
United States registered KMos... 660,000 <><) 688,600 00
MvNuii'AL Bonne :—
Cook County, 62,500 <»0 60,487 "><»
. Water Loan 20,000 00 20,000 00
Chicago City 18,000 00 18,976 00
Total $086,600 00 $678,912 .*.(> 678.912 60
Leant on Collateral.
Par Value. Market Value. Amt. Loaned.
N.H.Warren A Co.. trust deed, 5,600 00 6,600 00 8,828 66 8,823 66
Cash in Com puny 's principal office, 3, 4(>7 7<>
Cash deposited in bank, 026 4L>
Inter. kfl 012 50
Interest accrued on collateral loans 201 14
Gross premi iins in due course of collection 86,4
All other j longing to the Company, 14,812 .".7
Assets of the Company at their actual value, $809,821 43
III. LIABILI1IJ
1 and unp. 1,4
reported and unadj
sea, ... 17 1 T.
1
290 traders' insurance company.
Unearned premiums on fire risks, one year or less, 138,621) 66
Unearned premiums on risks more than one year, 18,525 83
Amount of unearned premiums as computed above, 157,155 49
All other demands against the Company, 7.206 74
Total liabilities, except capital stock, 174, 079 38
Capital stock 500,000 00
Surplus beyond capital, 135,242 05
Total liabilities, including capital and surplus $809,321 43
IV. INCOME DURING THE YKAK.
Fire Inland.
Premiums received in cash, 404,463 68 4,466 15
Deduct re-insurance, rebate, abatements
and return premiums, 86,421 11 101 82
Actual cash premiums, 318,042 57 4,364 33 322,406 90
From interest on loans and dividends on stocks and bonds, 36,058 78
From all other sources, 20, 580 63
Actual cash income $379, 046 31
V. EXPENDITURES DURING THE YEAR.
Fire. Inland.
Amount paid for losses, (includ.$l 5,-
317.73 occurring in previous years) 167,209 08 5,414 49
Deduct re-insurance and salvages 6,307 53 366 59
Net amount paid for losses,... 160,901 55 5,047 90 165,949 45
Cash dividends 60,000 00
Commissions or brokerage, 55,562 31
Salaries, fees, and other office and agency expenses, 24,071 08
Taxes, 6,861 14
All other payments and expenses, 32,002 28
Actual cash expenditures, $344,449 26
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy 17,231.757 44 277,259 33
Having more than one and not more than three
years to run from date of policy, 1,883,842 55 23,712 20
Having more than three years to run from date of
of policy, 742,530 00 11.99!) 62
19.858,129 99 312,971 15
Premiums received since the organization of the Company, 2,078.213 08
Losses paid since the organization of the Company, 1.101.813 22
Cash dividends paid stockholders, 290,000 00
Stock owned by directors at date, 168,100 00
WfcSTCHESTKK HKE INSURANCE COMPANY. "J'il
i in Connecticut in 1877.
I'm q, (no inland) 289,815 00
Premiuma received on earns
Lowes paid, '- "'
WESTCHESTER FIRE [NSUftANCE COMPANY,
Ni.w Kocnu.i.i:. N. V.
mmenoed Business, Jan. l. 1870.
GnoaoaJ. 1 President Geohoe R. Gbatoobd, Secretary.
Attorney i/> Connecticut, Gno. R. Cowi<zs, Norwalk.
I CAPITAL.
tal actually paid ap in rash $800,000 00
II. ASSETS.
Real estate owned by the Company, unencumbered 28,000 00
Loans on bond and mortgage (first liens) not more than one
year's interest due 189,850 00
- on bond and mortgage, (first liens) more than one years
..f which $6, 800 is in proeess of foreclosure,).... 38,ooo 00
Interest due and accru d <»n l«>nd and mortgage loans, 6,864 .".1
Valne of the lands mortgaged 167,450 00
Buildings, (insured for $221,650,) 279,950 00
>i;,7. -tuii no
lee and /{>>»</* owned by tin Company.
Market Value
U. 8. Stocks: —
185,000 00 I4«,47fi 00
60,000 00 B78 00
1881 115,0
100,000 <»<» 108,50
-
1881
292 WJESTCEHafTKk FIRE insurance company.
Par Value. Market Value
Railroad Bonds : —
Central Pacific. 20,000 <0 21.600 00
Chesapeake & Ohio, 10,000 00 2,500 00
Bank Stocks : —
Manufacturers & Merchants 2,000 00 2,000 00
Total, 8^12,000 00 $539,681 25 539,681 2;
Loan* on Collateral.
Par Value. Market Valne. Amt. Loaned.
Huguenot Park Association, 5,000 00 3,500 00 2,000 00
Pokeepsie Gas Co.. 4,000 00 4,000 00 2,000 00
Cen. Bank, Westchester Co., 1,900 00 1,900 00)
Taylor Iron Works, 2,500 00 COO 00 - 2,500 00
Harlem & Fordham B. B..... 3,000 00 900 00 )
Citizens Bank, 3,750 00 5,000 00 2,000 00
Bond & Mort. assigned to Co 500 00 500 00 500 00
Bowery Bank, 10,000 00 14,500 00 10,000 00
Cen. Bank, Westchester Co., 2,600 00 2,600 00 2.000 00
Star Fire Insurance Co.. 3,300 00 3,630 00 2,100 00
Total, $36,550 00 837,130 00 823,100 00 23,100 00
Cash in Company's principal office, 8,974 24
Cash deposited in bank, 28,963 88
Interest due and accrued on special deposit, 291 25
Interest due and accrued on collateral loans, 1,333 24
Gross premiums in due course of collection, 87,058 95
Rents due and accrued, 1,524 6^
Assets of the Company at their actual value, 8903,141 97
III. LIABILITIES.
Losses adjusted and unpaid 9,742 11
Losses reported and unadjusted, 7.722 45
Losses resisted, , 11,800 00
Net amount of unpaid losses, 29,261 56
Unearned premiums on fire risks, one year or less, 217,539 73
Unearned premiums on risks more than one year, 126,210 03
Amount of unearned premiums as computed above, 343,749 76
All other demands against the Company, 9,124 76
Total liabilities except capital stock, 382,139 08
Capital stock, 300,000 00
Surplus beyond capital, 221,002 89
Total liabilities including capital and surplus, 8903,141 9^
IV. INCOME DURING THE YEAR.
Premiums received in cash 687,160 82
Deduct re-insurance, rebate, abatements and return
premiums, 77,774 16
Actual cash premiums,..,,,. , 609,386 66
WESTCHESTER FIRE IN8UKJLN0K OOMPAN1
From abends andu 12,54
From Intel i dividends on itooki and bonds,
Actual oaah inooms (648,!
v. BXPENDITUBE8 DURING THE \i:\i;
Amount paid for losses, (including (18,749.60 ooour-
loot re-insui
imount p:iid for UmSSS, 910 88
dividends, 29,9
Oommiasioni or brokerage 118,1
Bslsriassnd foi MX) 00
15,889 7 7
nil other payments and bx\ • ;'.•. i7.~> 67
Actual cash expenditures, §586,189 18
VI MISCELLANEOUS.
Premium*.
Risks in force hsTing not more than one year to
run from date of policy 40,888,897 00 486,079 M
D one and not more than three
1 to roc from date of policy, 24,806,220 00 210,469 71
Having more than three years to run from date
of policy , 4,042,825 00 62,284 4:>
r36,942 00 <;;»7.7
Premiums received since the organization of the Company, 6,610,845 11
1 since the organization of the Company 2,988,994 31
Ca*.h dividends paid stockholders, 158,000 00
Stock owned by directors at date, 144,000 00
Stock dividends declared 100,000 00
Loaned to officers and directors 00 00
Loaned to stockholders not officers, 20, ' '
• 'lie** in Connecticut in 1
Fire risks taken Cno inland, | 2,616, 190 00
Premiums received on same 24,854 18
Losses paid, 17,';
294 WILLIAMSBURG CITY FINE INSURANCE COMPANY
WILLIAMSBURG CITY FIRE INSURANCE COMPANY,
Brooklyn, N. Y.
Commenced Business, March, 1863.
Edmund Driggs, President. N. W. Meserole, Secretary.
Attorney in Connecticut, C. W. Preston, Hartford.
I. CAPITAL
Capital actually paid up in cash, $250,000 00
II. ASSETS.
Real estate owned by the Company unencumbered 78,201 07
Loans on bond and mortgage, (first liens), not more than one
year's interest' due, 234,820 00
Loans on bond and mortgage, (first liens) more than one year's
interest due, (of which $4,700.00 is in process of foreclosure), . 12,100 00
Interest due and accrued on bond and mortgage loans, 4,579 87
Value of the land mortgaged, 231,200 00
Buildings, (insured for $218,800), 250,000 00
$481,800 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
United States reg. 5's, 1881, 24,000 00 25,140 00
" 5-20's, 1865,.... 30,000 00 30,825 00
6's, 1881, 00,000 00 03,900 00
" Currency 0's, 40,000 00 48,000 00
•' 10-40's, 57,000 00 59,850 00
Georgia Bonds, 25,000 00 . 25,000 00
Railroad Bonds : —
Grand Street & Newtown, 20,000 00 20,00000
Brooklyn City, 10,000 00 20,000 00
Railroad Stocks :—
Grand Street & Newtown, 25,000 00 22,500 00
Dry Dock, E. B'way & Battery,. . . 20,000 00 20,000 00
Bank Stocks : —
Mech Si Traders', Greenpoint ... . 8,000 00 7,200 00
7,000 ('<>
2,000 00
,500 00
.oim 00
290 00
.(mo 00
|,90 I 00
WILLIAM CITY* FIKE INSURANCE COMPANY.
Par Valne. Karkei Value.
S utt ,!. Brooklyn, 1,000 00 i no
ii,l. •• 10,000 00 l 1,000 00
■nil. •• 00 5,*400 00
a : —
IV, . I 00 10, too 00
Metropolitan M u 5.OQ0 00 8,600 «><>
ten'fl •■ •• 7,120 00 6,408 00
ny 1".<'" 1 1 1,622 00
18*1,720 00 $395, 3 9 n 00 895,395 00
Loans <> '''■
•■ rkct Value. Arat Loaned.
Mfrs. \ ... N. Y 8,000 00 2,850 00 2,000 00
oklyn,... 8,000 00 5, 100 00)
; Nt in 1,00 i 00 ■'•. 1O0 00>
\:it. Bank, Br toklyn,.. 1,800 00)
;.. •• 1,000 00 1,600 00^
bb Hill Cemetery beta.,. 2, 2,000 60 1,500 00
3,000 00 4,r_'.". <>o>
opolitan Oaa Co., Bkyn, 2,000 00 1,440
Peopled •• " 1.000 00 1 290 00
b Sid it.. L I., sea 6,2< 8,000 00 8,000 00
litre :. N. Y 1,380 00 1,811 00)
00 1,750 00)
a Newtown It. it. 1,900 00 1,710 00 1,150 00
.i 00 I 00 fi .it 00
Mfrs. Nal f. Y 1,200 00 1,140 00 1,000 00
Grand St. . d It. It. 1,500 I 1,850 00 1,000 <><>
: 00 19,0 'ii I 10,000 00
Fir- ii... 1,800 00 2,840 00 1. <><><> 00
Bqnil Co. LO,00 I I 2,000 00 1,150 00
liOO 00 B22 00 600 00
Mfr- Y BIO 00 769 50 650 00
00 8,61 U I 2,500 <">
■ i 00 2,500 00 1,950 00
1/250 00 2,( 00 I
Baltimore Gas Co., 7,500 00 11,250 00)
ooklyn 1,500 00 2,250 00)
' . ••
1,000 00 1,120 ' i 00
I 10,000 «'o
I 00 7,1
1 i 1,540 00 70,640 00
■; :':'
I 7 I .". 1
I'M-
L75
\ ■ ...... I
296 WILLIAMSBURG CITY FIRE INSURANCE COMPANY.
III. LIABILITIES.
Losses adjusted and unpaid, 3,382 77
Losses reported and unadjusted, 3,807 38
Losses resisted, 7.350 00
Net amount paid for losses, 14,540 15
Unearned premiums on fire risks, one year or less 151,064 37
Unearned premiums on risks more than one year, 40,780 19
Ainouat of unearned premiums as computed above, 191,844 56
Cash dividends to stockholders remaining unpaid, 150 00
Due and accrued for salaries, rent, &c, 2,466 66
All other demands against the Company, 5,421 13
Total liabilities except capital stock, 214,122 50
Capital stock, 250,000 00
Surplus beyond capital, 408,413 74
Total liabilities includiug capital and surplus, $872,836 24
IV. INCOME DURING THE YEAR.
Fire. Marine.
Premiums received in cash, 363,501 13 1,832 56
Deduct re-insurance, rebate, abate-
ments and return premiums, 16,216 04
Actual cash premiums, 347,285 09 1,832 56 349,117 65
From interest on bonds and mortgages, 17,413 43
From interest on loans and dividends on stocks and bonds, 22,742 18
Form rents, ■ 1,115 95
Actual cash income, $390,389 21
V. EXPENDITURES DURING THE YEAR.
Fire. Marine.
Amount paid for losses, (including $13,-
410.06 occurring in previous years,... 139,182 02 5,324 1J
Deduct salvages, 1.677 50
Net amount of unpaid losses, 137,504 52 5.324 15 142,828 67
Cash dividends, 49,900 00
Commissions or brokerage, 60,131 13
Salaries and fees, 44,972 89
Taxes, 1,515 78
All other payments and expenses, 45,504 30
Actual cash expenditures, $344,852 77
VI. MISCELLANEOUS.
Premiums.
Risks in force having uot more than one year to
run from date of policy, 44,012,413 00 302,128 75
PTILLIAMSBUBG OITY P1BI [N8U RANGE COMPANY.
kg more than one and not mora than three
years to ran from date of poHoy 4,998,872 00 M,0(
Haying more than three jean bo run from date of
polioy 9,598,906 00
184,491 00 879,898 16
Marino. Piemlune.
409,991 00 59 10
Praminma r<v. hred ainoe the organization of the Company, 6,924,004 B0
Losses paid sinee the organization of the Company 2,881,981 U5
. dividends paid stockholders 686,000 <><>
. owned by direetora at date o«;.;t ~>o 00
Loaned to officers and directors - 90 00
Loam [holders not officers 9,860 00
'/itss in Connecticut in 1877,
risks taken (no inland.) 1,216,249 00
11,896 ~~>
4,4:;.'. 18
oS
MUTUAL FIRE
INSURANCE CO'S OF OTHER STATES.
ABSTRACTS COMPILED FROM THEIR ANNAL STATF
MENTS, SHOWING THEIR CONDITION ON THE
31st DAY OF DECEMBER. 1877.
Ml'TUAL CO'S OF OTHER STATES.
AMERICAN INSURANCE COMPANY,
Ne-syai'.k, N. J.
Commenced Business, April 1, IS
d. Prtsi>; F. H. Habris, (Secretary.
Attorney in Connecticut, Chakles Wilson, New Haven.
I. CAPITAL.
Capital actually paid up in cash, (represented by scrip, pledged
to meet loss*-- $600,000 00
II. ASSETS.
Real estate owned by the Co mpa ny unencumbered 185,1/
Loans on bond and mortgage, (first liens i. not more than one
year's interest dm- ,669 B9
Loans on bond and i; li<-ns. . u\nr<- than mw y<
of fofeolosara, ) .. 19,8
Loans on b i >rtgage, (sec Mid Hens.; more than one yi
residue, $6,000 00
Interest due on bond i.'i.'
'302 AMERICAN INSURANCE COMPANY.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States bonds 5's, 1881, reg.,. $225,000 00 236,250 00 236,250 00
Gash in Company's principal office, 6 339 11
Cash deposited in Bank, 45 495 65
Gross'premiums in due course of collection, 14 995 34
Bents due, ' 858 36
American Ins. Co's. scrip owned by Co., (avaiable as cash, market
value,) $68,765 00
Assets of the Company at their actual value, $1,354,488 38
III. LIABILITIES.
Net amount of unpaid losses, 2.919 66
Unearned premiums on fire risks, one year or less, 81,475 43
Unearned premiums on risks more than one year, 23,846 52
Amount of unearned premiums as computed above 105,321 95
Amount reclaimable by the insured on perpetual fire policies, 237 50
Cash dividends to scripholders remaining unpaid, 5,901 70
All other demands against the Company, 33,984 50
Total liabilities, except capital stock, 143,365 31
Capital stock, (represented by scrip, pledged to meet losses) 600,000 00
Surplus beyond capital, and all other liabilities, 606,123 07
Total liabilities, including capital and surplus, $1,354,488 38
IV. INCOME DURING THE YEAR.
Premiums received in cash, 192,680 17
Deduct re insurance, rebate, abatements and return
premiums, 12,056 88
Actual cash premiums, 180,623 29
From interest on bonds and mortgages, and U. S. bonds, 68,416 39
From rents, 5,079 43
Actual cash income, $254,119 11
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including f$3,000.00 occur-
ring in previous years,) 49,279 83
Deduct salvages, 1,500 no
Net amount paid for losses, 47,779 83
Cash dividends paid policyholders 29,349 00
Dividends paid to'scripholders 61,146 91
Commissions or brokerage, 23,565 08
alCBRIOAN [N8URANCM COMPANY.
. 1 fees,
I,L\
All other payments and expense! 4,098 ">i
Actual o §200,191
VI. MISCELLANEOUS.
Promlamn.
in foroe having not more than one year t<>
ran from date of policy 22,001,858 80 162,988 86
g more than one ami m>t move th;m three
years to run from date of polioy 1,946,526 50 20,608 89
: g more than t!.: to run from date of
policy 1,711,824 50 21,226 24
Perpetual risks in force and interest pteminms,.,. 6,000 00 17 50
25,665,204 80 204,780 4'.)
Premiums received since the organization of the Company, 2,662,245 95
Losses paid sine*- the organization of the Company 681,885 26
Cash dividends paid policyholders 799.402 L'<;
Loaned to officers and directors 10,100 </0
•fir >li ill 1877.
Fire: inland) HOC, 371 88
Premiums received on same 5,58
Losses paid, 1,112 81
304 HOLYOKhi MUTUAL FJKE INSUKANCE COMPANY.
HOLYOKE MUTUAL FIRE INSURANCE COMPANY,
Salem, Mass.
Commenced Business. May 23, 1843.
Augustus Story, President. Thomas H. Johnson. Secretary
Attorney in Connecticut, S. T. Holbkook, Norwich.
I. CAPITAL,
Capital actually paid up in cash, $100,000 00
II. ASSETS.
Ileal Estate owned by the Company unencumbered, 50,000 00
Loans on bond and mortgage, (first liens), not more than one
year's interest due, 0,500 00
Interest accrued on bond and mortgage loans, 77 77
Value of the land mortgaged, $ 3,100 00
Value of buildings (ins. for $0,500.00) 11,500 00
$14,600 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
U. S. 5-20'sloan 1865, gold 5,000 00 5,275 00
1807, 6's gold,.. 27,500 00 29,708 75
Massachusetts 5's 1893, gold, 4,000 00 4,400 00
New Hampshire 0's 1897, 4,000 00 4,45100
Municipal Bonds : —
Adams County, Ills. 8's, 1880, 5,000 00 5,100 00
Licking Co. Ohio, 7, 3-1 0's 1882,. 5,000 00 5,150 00
City of Columbus, Ohio, 7's, 1883 6,000 00 0,150 00
« Cincinnati " 7's, 1904, 5,000 00 5,350 00
" Cleveland " 7's, 1879, 5,000 00 5,200 00
" " 6's, 1897, 5,000 00 5,275 00
» Chelsea, Mass. 6's, 1892,. 17,000 00 18,700 00
» Cambridge, Mass. 6's, '84, 10,000 00 11,000 00
« Chicago, 111. 7's, 1894, 5,000 00 5,375 00
<< " loan cert. 6 ( s '78 30,000 00 30,000 00
« Hartford, Conn. 6's, '91,.. 10,000 00 11,000 00
LI PIKl 'MI'ANV.
\ line. Millket Wilur.
-vl [nd. :. 7,210 00
•■ 1 I
•■ I. • , ! 1,480 00
••1 00
*• y . oo
fl (iii
I'-t) 5,60<
»» Portland, I 00
ld.Too 00
: 11,100 00
I oo 10 00
•• \ ; ) 00
•• Wald u,.. 8,000 00 8,062 GO
Chioago, BorL a j l 00 18,067 80
00
21,01 00 11,130 00
U; ; .. .. 6,00 l B6 26
Vt. v oo 740 00
'.
1,850
Old Colony 8,10 9 00
I 00 8,250 00
'.Moo 00
U: —
i 00 4,096 00
Kxcliange 00 27 00
•' 1,000 1,260
I •• 8,900 00 6,92
Lena " •• 14,000 00 16.8S
!; of Commerce. Boston,. 00 90 00
J.lic •• 00 ''>..".:.■
I 00
Fret- •• :,600 00 1,620 00
-be •• 8,24
Met b '• " 10,66
. mal Kevere, Boston 1,840
8,66 I
10,600 00
- : —
. oo 00
>•
\ tlie, Amt. Loai
Philli- 10,00
Cash :
39
306 HOLYOKE MUTUAL FIKE INSURANCE COMPANY.
Cash deposited in bank, ' [ 1,263 87
Interest due and accrued on stocks, 4,846 43
Interest due and accrued on collateral loans, 33 33
Gross premiums in due course of collection, 2,791 89
Kents due and accrued 157 50
Assets of the Company at" their actual value. $445,877 72
III. LIABILITIES.
Unearned premiums on fire risks, one year or less,... 14,817 38
Unearned premiums on risks more than one year, 137,569 88
Amount of unearned premiums as computed above,
Principal on unpaid scrip or certificates of profits,
All other demands against the Company,
Total liabilities, except capital,
Guarantee capital
Surplus beyond capital,
Total liabilities, including capital and surplus, .
152,387
720
772
26
15
91
153,880 32
100,000 00
191,997 40
$445,877
72
IV. INCOME DURING THE YEAR.
Premiums received in cash, 102,375 03
Deduct re-insurance, rebate, abatements and return
premiums, 2,307 10
Actual cash premiums, 100,067 9?,
From interest on bonds and mortgages, 459 50
From interest on loans and dividends on stocks and bonds, 21,324 29
From all other sources, 3,146 15
Actual cash income, $.124,997 87
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses (including $1,148.93 occur-
ring in previous years), 40.895 80
Deduct salvage 605 00
Net amount paid for losses, 40,290 80
Cash dividends, , , 26,776 34
Interest paid to stockholders, 10,000 00
Commissions or brokerage, 15,482 20
Salaries and fees, 7 3 5 37
All other payments and expenses, 2,099 17
Actual cash expenditures $91,963 88
ll<<: MUTUAL PIRK IN8URANCE COMPANY.
vi IO80EL] AM' »i -
Premium*.
in force 1 more tlmn one year to
ran from date of policy 6,888,814 00 968 49
Saying more than one end not more than three
* to ran from dale of policy 7,611,829 00 114,291 41
g more than thl to run from date of
policy 1,786,978 00 27 28
20,287,621 00 286,272 06
1 rinee the Company organized 1,119,421 97
. directors at date. 200 00
Loaned to offioen and direoton lo.ooo 00
Businsu in Connecticut in 1877.
Fire risks taken, (no inland) 400,870 00
Premioma received on same 3,941 22
1 87 78
308 LYCOMING FIRE INSURANCE COMPANY.
LYCOMING FIRE INSURANCE COMPANY,
Muncy, Penn.
Commenced Business, April 18, 1840.
Wm. P. J. Painter, President, James M. Bowman, Secretary.
Attorney in Connecticut. L. W. Sperry, New Haven.
II, ASSETS.
Real estate owned by the Company unencumbered,
Loans on bond and mortgage, (first liens), not more tnan one
year's interest due,
Loans on bond and mortgage, (first liens), more than one year's
interest due,
Interest accrued on bond and mortgage loans,
Total value of mortgaged premises, 18, 000 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks :—
United States 10-40's, 2,000 00 2,160 00
Municipal Bonds : —
Catawissa 7's, 11,000 00 11,440 00
Borough of Tyrone, Pa., 300 00 300 00
Miscellaneous : —
Muncy Gas Co., 2,800 00 2,800 00
50,000
00
3,500
00
4,337
00
918
38
Total, $16,100 00 $16,700 00 16,700 00
Cash in Company's principal office, 2,939 27
Cash deposited in Bank, 74,704 68
Interest due and accrued on stocks, 410 00
Net premiums in due course of collection, 115,970 29
Bills receivable, 10,723 20
Net assessments in process of collection, 51,112 56
Net assessments due on premium notes, 131,785 62
Premium notes, 4,651, 2oI 19
Assets of the Company at their actual value, $463,101 00
III. LIABILITIES.
Losses adjusted and unpaid, not due, 66,324 81
Losses reported and unadjusted, 63,254 83
Losses resisted, 34,912 38
Net amount of unpaid losses, 164,492 02
[N8URANCK C0MPAN1
Amount"' ,;:; H
'-'••'"
.1 linl.ilit..
W 2]
J Uabffltieainolading surplus §468,101 00
IV. ENOOME DUBXNG Tin: YEAR.
Premiums] 485,417 68
abatements and return
miums s4,4f>l 41
Actual cash premiams 400,!
Prom interest on bonds end mortgages 846 03
Frou; a loans and dividends on stooks and bonds, 1,791 26
unents oolleoted from Jan. I, to Deo. 81, 1877, inclusive 8<
maToaah incomo $712,485 4!)
V. EXPENDITURES DURING THE YEAR
Amount paid for losses, (including $108,949.60 occur-
ring in ] 494,211 60
rages and re-insuranoe 2,676 69
Amount paid for losses, 401, .034 91
Commissions or brokerage, 70, ">98 24
9,480 20
Taxes 6,462 11
■ing 7,466 06
All other payments and expenses 74 07
sash expenditures, $664,814 68
VI. MISCELLAN i ;<»rs.
Premiums.
having not more than one year
to rnnfi of policy 5 00 271. (
ban one and not more than three
•f policy 11,160,742
Having m< ores years to run from date of
poll 2,875,179 00
Premiums and assessments rec the organization of the
Co: , 28
Losses paid since the org.: f the Company, 7,1
■
Preni
310 M. AND FARMERS MUTUAL FIRE INSURANCE COMPANY.
MERCHANTS AND FARMERS MUTUAL FIRE INSURANCE
COMPANY,
Worcester, Mass.
Commenced Business, January 1, 1847.
Isaac Davis, President. Elijah P. Stoddard, Secretary.
Attorney in Connecticut, Ralph, Gillett, Hartford.
II. ASSETS.
Real estate owned by the Company unencumbered,
Loans on bond and mortgage, (first liens,) not more than one
year's interest due,
Interest due on bond and mortgage loans,
Value of the land mortgaged, 22,000 00
Buildings, 18,800 00
$40,800 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
Railroad Bonds :--
Providence & Worcester,,
Worcester & Nashua,
Municipal Bonds : —
City of Lawrence,
Bank Stocks : —
Central,
Wachusett ,
Mechanics,
Westminster,
Quinsigamond,
25,000 00
20,000 00
19,800 00
2,000 00
2,500 00
1.300 00
2,000 00
800 00
26,500 00
20,000 00
19,800 00
2,840 00
3,000 00
1,750 00
2.000 00
944 00
50,000 00
17,000 00
52 50
Total, $73,400 00 $76,834 00
76,834 00
Loans on Collateral.
Par Value.
Quinsigamond Bank, 3,200 00
Worcester & Nashua R, R.,. 1,500 00
United States Bonds, 1 , 700 00
Market Value.
3,776 00
1,500 00
1,700 00
Amt. Loaned.
3.000 00
1,500 00
1,700 00
Total, $6,400 00 &6,976 00 $6,200 00
6,200 00
832
28
50,246
06
00
8,425
24
lis
16
If. AND FARMERS MUTUAL riRE INSURANCE COMPANY. 311
Loans on person*] Beourity, 5,000 00
Oaah in Company's principal offloe
deposited in banks
Interest aooraed on Btooks
Not premiums in dne oonrse of oolleotion,
Bills receivable
Offloe furniture 600 00
Preminm notes 1 85, 1 55 .". i
Lsseta of the Company at their totual valne $204,700 88
III. LIABILITIES.
Net amount of unpaid losses 2,000 00
Amount of unearned premiums lo>.
Dividends to policyholders, 1,000 00
Total,liabiliti> capital stock 111,868 BS
Surplus 92,845 55
Total liabilities including surplus, |204,709 .'18
IV. INCOME DUKING THE YEAR.
Premiums received in cash 56,138 62
Deduct re-insurance, rebate, abatements and return
premiums, 1,908 49
Actual cash premiums
Deposit notes received during the year for premiums., l 12,267 24
Prom interest on bonds and mortgages,
From interest on loans and dividends on stocks and bonds
Prom all other sources,
Actual cash income.
54,225
l;;
990
00
6,345
62
39
$ 64,148
14
V. EXPENDITUBE8 DURING THE YEAR.
Amount paid for losses, (including | 3,788 69 occurring in pre-
via . 27647 12
Oash dividends to policyholders is 134 pi
Commissions or brokerage 7 go£ 7:;
Salaries and fees , ; (; ,
Taxes, 1.891 h;
All other p aid expenses I. '17 ->i
Actual cash expenditures, * (
VI. M1S0ELLANEO1
:n f<,r<-<- having from one year to five v.
' 1!1 fl '" r " ,: 2, 632, -17 l 82,294 16
rs to run from date of policy,.... 12,005,8^1 no \gn j •;; \
312 Newark fire insurance company.
Business in Connecticut in 1877.
Fire risks taken, (no inland), 458,385 00
Premiums received on same, 3,708 54
Losses paid. 4 s 895 36
NEWARK FIRE INSURANCE COMPANY,
Newabk, N. J.
Commenced Business, May 10, 1810.
Cephas M. Woodruff, President'. John J. Henry, Secretary.
Attorney in Connecticut. Charles Wilson, New Haven.
II. ASSETS.
Real estate owned by the Company unencumbered,.. 57,000 00
Loans on bond and mortgage, (first liens,) not more than one
year's interest due, 411,295 00
Loans on bond and mortgage, (first liens.) more than one year's
interest due, (of which $7,000 is in process of foreclosure,) 23,100 00
Interest due and accrued on bond and mortgage loans, 10,561 93
Value of the land mortgaged, 570,200 00
Buildings, (insured for $534,675.00) (150,000 00
1,220,200 00
Stocks and Bonds owned by the Company.
Par Value. Market Value,
U. S. Stocks : —
United States 5-20's, reg. 1865,.. 10,000 00 10,275 00
6's, 188 1, reg., 25,000 00 26,656 25
5-20's. 1867, coup.. 5.000 00 5,425 00
fj's, 1881, coupons, 10,000 00 10,875 00
Railroad Bonds : —
Morris & Essex, 10,OCO 00 7,500 00
Bank Stocks : —
National State Bank 13,70 > 00 15,481 00
City National 13.250 00 18,550 00
N'fcWAKK PIKK INSURANCE COMPANY.
J';ir Nalui'. IO( Value.
Nations) Newark H. inking Oo 10.780 00
Ma ■•. ini ■ N itum.,1. I 00 8,417 60
• 1,050 00 1.812 60
tal - WOO $115,272 M 115,272 211
v's principal ottoe, 7,134 86
In bank 106 98
Inter 1,971 00
ii'uns in da of oolleotion 11,274 00
Hills : 400 : ! 7
4b; SO
timet* >f the < M their actual value $671,762 B8
in. LiABiLnn
irned premiums on Are risks, o ... 87,682 86
nioms on risks more than one year, ... 12,971 92
urned preminms as oomputed above 60,604 27
ipholders remaining nopaid 7,474 41
876 00
All other deman 1 my
I liabilities,
Landing
Surplus
2,016
LI)
60,469
78
254,604
00
856 (589 05
including surplus $671,762 88
IV. INCOME DURING THE YEUi.
Preu. moash, 104,815 '.»<>
I returu
dams, - f.171 .">."»
ad mortgage!
to loans and dividends on stocks and bonds,
Prom all othei
.1 cash income,
80,644
6 6
82,469
20
4,816
60
7 in
no
$118,659
v. EXPENDITURES DUBIN I THE YEAK.
Amor. Mas, lincl | I occnrring in pre-
19, 77
24,0
KM or brokerage 12,91
....
40
314 NEWARK FJKE INSURANCE COMPANY.
Taxes : 2,020 43
All other payments and expenses, 5,890 23
Actual cash expenditures, » $72,373 31
VI. MISCELLANEOUS.
To Policyholders.
Scrip dividends declared to date, 447,785 23
Deduct amount redeemed in cash, 193,181 23
Balance of scrip dividends, 254,604 00
Scrip deliverable not actually delivered, 7,709 00
Risks in force having not more than one year
to run from date of policy,
Having more than one and not more than three
years to run from date of policy,
Having more than three years to run from date
of policy,...
Premiums.
2,321,125 00
71,460 00
904,453 00
10,719 37
829,758 00
12.828 14
14,055,336 00 94,507 80
Premiums received since the organization of the Company, 1,245,045 09
Losses paid since the organization of the Company, 212,476 12
Cash dividends paid policyholders, 506,208 79
Business in Connecticut in 1877.
Fire, risks taken, (no inland), 214,855 67
Premiums received on same, 2,222 88
Losses paid,.... T .... 170 42
MARINE
INSURANCE GO'S OF OTHER STATES.
ABSTRACTS COMPILED FROM THEIR ANNUAL STATE-
MENTS, SHOWING THEIR CONDITION ON THE
n DAY OF DECEMBER, 1877.
MARINE CO'S o'F OTHER STATES.
MK!H ANTILE MUTUAL INSUUANCE COMPANY,
Ni.w Youk City.
Commenced Business, April, 1842.
IfoirrooiiraT, Jr., President, 0. J. Dxspard, Secretary
Attorney in Connecticut. C. C. Kimbaix, Hartforil.
I. CAPITAL.
"i illy p ii | np in • :-:i $500,000 00
II. ASSETS.
\k& and B tdbythe Company.
l*:ir Value Market Valuo.
-
D - 23,000 00 24,26
; ■ . - !'.".. 000 00 11 l,00l
I 11,000 00 11. .".>". 00
■ Y..rk City fi p 10,000 00 20,4l I
Railkou' Boirpa : —
1,00 880 oo
[adUnapolii A Vis 20,01 00
Hum. 6 M : —
| -,. r , 76,000 DO 81 ■
L I N nth Fbon P I I I
818
MERCANTILE MUTUAL INSURANCE COMPANY.
Bank Stocks : —
Bank of America, ,
" Commerce,
" New i'ork,
" Republic,
'• State'of New York,
American Exchange,
Continental,
Gallatin National,
Hanover
Metropolitan,
Merchants,
Manhattan,
Marine,
Phenix,
Park,
St. Nicholas,
Union,
Miscellaneous : —
Williamsburgh Gas L. Co. ,
scrip,
Coast Wrecking Co
Mercantile Mutual Ius. Co.
Par Value.
7,000 00
5,000 00
2,500 00
7.500 00
4,000 00
10,200 00
0,000 00
6,700 00
10,000 00
3,800 00
10,000 00
15,000 00
1,700 00
000 00
10,000 00
11,000 00
1,000 00
10,350 00
13,000 00
10,000 00
15,500 00
Market Value.
9,660 00
6.150 00
2,825 00
0,525 00
4,800 00
10,710 00
6,750 00
7,973 00
10,000 00
4,864 00
11.600 00
21,000 00
1,360 00
588 00
10,600 00
7,920 00
1,460 00
19,785 00
13,000 00
5,000 00
15,500 00
Total, $420,050 00
,212 00 447,212 00
Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Continental Ins. Co., $10,000 00 $15,000 00 $!),000 00
Cash in Company's principal office, )
Cash deposited in bank, , >
Interest due and accrued on stocks,
Interest due and accrued on collateral loans,.
Gross premiums in due course of collection,
Bills receivable,
All other property belonging to the Company,
9,000 00
40,634 93
4,057 00
270 00
128,712 39
189.823 57
87,573 00
Assets of the Company at their actual value, $907,282 89
III. LIABILITIES.
Losses adjusted and unpaid, 7,100 00
Losses reported and unadjusted, 97,955 00
Losses resisted, 15,000 00
Total, .: 120,055 00
Deduct re-insurance and salvages,.... 17,000 00
Net amount of unpaid losses
Amount of unearned premiums.
Cash dividends to stockholders remaining unpaid,
Due and accrued for salaries, rent, &c,
103,055 00
119,786 22
14,367 63
545 01
KKKCANTILl MUTUAL IN8UKANCK COMPANY.
All other demands againsl the Company 11,887 89
■ J Liabilities
Capital tA 600,000 00
Surplus! 157,691 <U
.1 liabilities, including capital end surplus - 12 89
iv. [NOOHE DURING THE YEAR.
Premiame i inoesb 1,021,709 82
Deduct re-insurai itements and return
uiums :,'."><>. :r>4 4-1
tneloesb premiums . i v -
Bills end n I f or prems., remaining unpaid,.. 189.584 18
From interest on loans and dividends on stocks and bonds .':<».:
. all other - 341 <>l
Aetna! oaefa inoome §841,177 98
V. EXPENDITURES DURING HIE YEAR.
Amount paid for losses 691,076 '-!'">
snd re-insurance 7<> 106 ."4
mt paid for losses 620,969 72
Cash divi.l. m fas 12,6
brokerage 62,151 41
Belaries and fees, 42,14
Taxes 9,662 27
All other payments and expenses 122 19
Actual cash expenditures |7 0,848 57
VI. MISCELLANEOUS.
Marino. Premiums.
■.mount of risks in force, 1,251,888 00 119,786 22
dome received since the organization of the Company 88,824,07*
s organization of the Company 29,004,987 B6
Cash 1,447, 1(
112,85*
BuHneuin OonntcUoutin 1877.
kfarine and inland risks taken, 1,99
rVeminnu reoi 4,571
. i ■ : 62
320
PACIFIC MUTUAL INSURANCE COMPANY.
PACIFIC MUTUAL INSURANCE COMPANY,
New York City.
Commenced Business, Jan, 10, 1855,
Horace J, Moody, President. Willoughby Powell, Secretary.
Attorney in Connecticut, C, W. Preston, Hartford,
II.
Stocks and Bonds
U. S. Stocks : —
U. S. bonds 4's, reg. 1!)07,
10-40*s, reg.,
" l()-lu',s. coupon,
Bank Stocks : —
Harlem,
American Exchange National,
Bank of North America,
National Bank of Commerce
MlSCELLANEOrS : —
Delaware & Hudson Canal Co. 91,
Delaware & Hud. Canal Co. stock,
International Ocean TelegraphCo.
N. Y. RIer. Ex. & News Associa.,.
Sundry Insurance scrip,
ASSETS.
owned by the Company.
Par Value.
110,000 00
200,000 00
8,000 00
2,500 00
10,000 00
8,500 00
5,Q00 00
10,000 00
20,800 00
2,500 00
1,000 00
720 00
Market Value.
111,100 00
214,000 00
8,500 00
025 00
100.00 00
0,120 00
0,100 00
0,900 00
13.400 00
1,375 00
900 00
050 00
Total, $385,020 00 $383,330 00
Loans on Collateral.
Par Value. Market Value. Arct. Loaned.
383,330 00
N. Y. Central 0's, 1883, 5,000 00
Union Bank, 1,500 00
Bank of New York, V, , 200 00
U. S. Life Ins. Co., 5,000 00
stock,... 10,000 00
United States Trust Co., 4.000 00
Merchants Bank 1,750 00
Broadway Bank 2,500 00
Guardian Fire Ins. Co., 3,000 00
Importers & Traders I. Co.,. 3,8<>0 00
Manhattan Co., 4,400 00
Peoples Bank, 025 00
5,150 00
1,950 00"|
3,080 00 '
3,750 00
15,000 00
14,000 00
2,047 00
5,025 00
1,950 00
4,250 00
5.940 00
843 75
4,000 00
)■ 47.500 00
riO KUTUAL INSUR 821
I'.r \ .:•■:.■. If arket Valee. Ami Loaned
. OQ 00 ?,790 no
8,250 00
00 8,060 00
11,500 00 12,01
l."i 1,9 00
1,000 00 ,;7 . ,,m ,M)
2,000 00 2,600 00
| •• 1,000 00 1,060 00
1,000 00 1,460 00
Fourth v - . 47,500 00 46,560 <
raJ •• 10,000 00 10,00 ■'
l no 9,460 00 8,000 00
00 1,120 00 8,000 00
1161,896 75 $124,600 00 124,600 00
in Company's prinei] 1,688 89
in Bank, 148,671 7*
200 00
Intt-r- - I aoorned on oollateraJ loana 204 7."»
remiama in due conrae «>f collection 23,944 v i
Bills receivable 51,277 09
Bills reoeiTable Ine $2,678
All other p klonging to the Company 44,675 H7
heir actual value *77*.W 7'.i
III. LIABILITIES.
moont of unpaid 122,800 00
Whole amount of premiums not marked off as earned, 61,876 69
1'nu- 26,686 11
ipal on unpaid scrip or certificates ol profits 12,710 00
l4.4ol :\-j
2,( I
• the < ' impany
I liabilities, 562 10
514,926 69
Total liabilities, including aorplna $778,487 79
iv. INCOME DUBINQ Tin: vi.ak.
671,87
nd r.turn
una 24 ''.i<»7 I :
771 18
ada
322 PAFIFIO MUTUAL INSURANCE COMPANY.
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses. 379,224 80
Deduct salvages and re-insurance, 90, 86 1 13
Net amount paid for losses, 288,303 67
Scrip or certificates of profits redeemed in cash, 40,468 98
Commissions or brokerage, 31,612 78
Salaries and fees, 42,617 49
Taxes, 8,542 97
All other payments and expenses, 45,304 84
Actual cash expenditures, $456,910 73
VI. MISCELLANEOUS.
To Policyholder!?.
Balance of scrip dividends deliverable and outstand-
ing, (held by the Company, $117,794.00,) 701.811 00 701,811 00
Limit of scrip accumulation, 500,000 00
Premiums.
Net amount of risks in force, ;... 5,199,115 00 75,952 97
Premiums received since the organization of the Company, 15,837,276 51
Losses paid since the organization of the Company, 9,325,524 45
Loaned to directors 70,000 (*()
Business in Connecticut in 1877.
Marine risks taken, 45.556 On
Premiums received onsame,... ... . 240 61
Losses paid, , 950 80
CASUALTY
INSURANCE GO'S OF OTHKR STATES.
ABSTRACTS COMPILED FROM THEIR ANNUAL STATE-
MENTS; SHOWING THEIR CONDITION ON THE
31st DAY OF DECEMBER 1877.
CASUALTY CO'S OF OTHER STATES.
KNICKERBOCKER CASUALTY INSURANCE COMPANY,
Nr.w Yosx On v.
Oomxnenoed Business, M:iy 1, 1876.
Datocb, President. John M. Ceam:, Secretary.
nmctu-'it. .Iidah Fbisbie, New Haven.
I CAPITAL.
I op in cash $100,000 <m
II. ASSETS.
- on bond and mortgage (first liens) not more than one
tdue 77,(Kio 00
Inter.-st aoorued on bond and mortgage loans, - io 75
. of the lands mortgaged 120,000 00
Bail insured ifor $86,000,) 40,000 00
$l<;o.ooo 00
■ owned ^y tlu ( ompemy.
Par Vulue. Market Valae.
r. s. b
88,000 00 28,68 I 00
.leandac
Interest due ai.
Gross premiums in due oourec of ooDeotion
All ■-•
d their *i I
B90 00
306 '•"•
6,*
!.<
326
KNICKERBOCKER CASUALTY INSURANCE COMPANY.
III. LIABILITIES.
Losses reported and unadjusted.
Losses resisted,
Net amount of unpaid losses, '..
Amount of unearned premiums,
Due and accrued for salaries, rent, &c
Due and to become due for borrowed money, .
All other demands against the Company,
Total liabilities except capital stock,
Capital stock,
Surplus beyond capital,
475 55
115 CO
590 55
16,365 97
1 40
175 00
1,603 60
18,736 52
100,000 00
8,228 59
Total liabilities including capital and surplus, $126,965 11
IV. INCOME DURING THE YEAR.
Premiums received in cash 31,466 02
Deduct re-insurance, rebate, abatements and return
premiums. 608 98
Actual cash premiums,
From interest on bonds and mortgages,
From interest on loans and dividends on stocks and bonds,
From all other sources,
Actual cash income.
30,857 04
2,642
23
2,659
70
176
15
$36, ><35
12
V. EXPENDITURES DURING THE YEAR,
Amount paid for losses, (including $318.61 occur-
ing in previous years,) 5,178 30
Deduct salvages, 321 62
Net amount paid for losses, ,
Commissions or brokerage,
Salaries and fees,
Taxes, ,
All other payments and expenses,.
Actual cash expenditures, ,
VI MISCELLANEOUS.
Net amount risks in force, 4,476,791 00
Premiums received since the organization of the Company, ,
Losses paid since the organization of the Company,
Stock owned by directors at date, :.
Business in Connecticut in 1877.
Risks taken
Premiums received on same,
Losses paid,
4,856
68
7,738
22
7,320
24
2,455
85
7,336
30
$29,707
20
Premiums.
32,731
94
40,261
28
5,312
94
100,000 00
36,ll6
10
81
14
8
00
METROPOLITAN PLATE QLA8d [N8URANCE COMPANY. 827
METROPOLITAN PLATE GLASS ENSURANCE
COMPANY,
Nrv itt.
Coiiunciu'cd Business, April 28, 1 V 7I.
it. Thomas S. Thobp, fl
,8] \n. ■)';.. Hartford.
I. C
Capital actually paid up in oaafa (100,000 I '»
II.
owned by tht Company.
Par Valm-. Markel Value.
U. S. Got. boi 1891 97,000 <»<> 100,576 66 100,576 66
Oaah in Company's prinoipal office, 592 '. ,v '
lepoaited in bank,
Interest due an I on stocks
indue course of collection
All other property belonging to the Company,
Aasi ts of tin- Company at their actual value (121,33
III. LlAHILiril
Amount of onearned premiums, 25,783 96
! stock
Capital stock 100,<K
8,152
35
6(3
1.7
15
6,671
25
t its! 1125,818 1 1
rmenl 4,47
IV. INCOME DUBIN0 I 'HE \ BAB.
Deduct r- -
.li'iin- 8,2 i 7 15
828
METROPOLITAN PLATE GLASS INSURANCE COMPANY.
From interest on loans and dividends on stocks and bonds,
From all other sources
Actual cash income, ,
; 3,477 11
2.137 79
$56,59(5 01
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $2,800.25 occur-
ring in previous years), 20,638 79
Deduce cash indemnity, 304 19
Net amount paid for losses,
Cash dividends
Commissions or brokerage,
Salaries and fees
Actual cash expenditures,
20,334 60
7,500 00
10,399 01
13,114 68
$■51,348 29
VI. MISCELLANEOUS.
Net amount of risks in force 1,620,014 00
Premiums received since the organization of the Company,
Losses paid since the organization of the Company,
Cash dividends paid stockholders,
Stock owned bv directors at date,
Premiums.
51,567 92
186,420 00
64.558 09
22,000 00
86,000 00
Business in Connecticut in 1877.
Risks taken,
Premiums received on same,
Losses paid,
32,019 00
960 57
316 9->.
FOREIGN
FIRE INSURANCE COMPANIES.
ABSTRACTS I OMPILED PROM THEIR ANNIAL STATE
MENTS, SHOWING THEIR CONDITION ON Tin;
31st DAY OF DECEMBER. 1877.
13
OREIGN COMPANIES.
BRITISH AMERICA ASSURANCE COMPANY,
TOM • -DA.
Commenced Buainef
CAPUA I.
Paid ap Capital $518,062 70
ASSETS.
Loans oa bond and mortgage, :H.7I ( 4 7
owned 118,446 78
Stocks and bond^ 777,514 12
in office and bank, 85,1!
All other assets 91,780 52
Total assets. $1,102,556 70
LIUilLI I
Unpaid losses 84,719 89
Whole amount of unearned preminmf 886,401 •''>!
All other liabilities 86,081 70
• d liabilities 457,156 4:i
pirnl stock 518,082 7o
plttf beyond capital, 182,1
tftl liabilities, including capita"! and surplus, $1,1<
►ME.
Pren:: b
-t <»n bonds md mortg and
div: .-. 1 bOflB all oth- : I - 75
332 BRITISH AMERICA ASSURANCE COMPANY.
EXPENDITURES.
Paid for losses, 410,909 00
Cash dividends, 50,091 04
Commissions or brokerage, 121.05.5 55
Salaries, fees, taxes &c, 43,445 32
All other expenditures, 02,027 54
Total expenditures, $094,789 05
Premiums.
Net amount of risks in force..; $52,880,905 00 595,829 42
UNITED STATES BRANCH BRITISH AMERICA
ASSURANCE COMPANY,
Manager i?i the United States, Wm. A. Beattie, 8 Exchange St. Boston.
Attorney in Connecticut, C. C. Kimball, Hartford.
IE. ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks :' —
United States Gov. bonds 375.000 00 430.00!) 00
Deposit State of Mississppi,. ...... 15,000 00 15,000 0o
Dominion Bonds • —
Dominion Goverment bonds, ...... 51,500 00 52,530 00
Bank Stocks : —
Canadian Bank of Com nerce, 24,720 00 28,551 00
Dominion Bank, 10,300 00 12,4(13 00
Ontario Bank, 12,15* 00 11,850 15
Federal Bank 4,326 00 4,390 89
Canada Per. Loan & Sav. Co...... 10,300 00 17,81300
Huron & Erie Sav. Loan Society, 25,750 0q 33,990 00
Total, $529,050 00 $000,588 64 60^,588 64
Cash in Company's principal office, 33,440 05
Cash deposited in Bank, 33,654 91
Interest accrued on Deposit State of Mississippi, 511 91
Gross premiums ia due course of collection. 29,358 79
BRITISH AMlKh'A ASSURANCE COMPANY.
Kills reoerrable, taken for marine end Inland risks 800.00
Furniture (8*010 <»•>
Hills reoeivable, ovit due 1,690 '.»l
94.700 00
Assets of the Company at their actual value, |
III. LIABILITIES.
land unadjusted 50.671 26
riated 1.900 00
1 66,571 86
Deduct re-inanranoa 800 <»<»
Net amount of unpaid looooa, 55,271 26
Unearned preminma on lire risks, oue year or less 170, 104 97
Unearned premiums on risks more than one year, — 44,77(5 9!>
Unearned premiums on inland navigation risks 1,441 20
Amount of unearned premiums as computed above, 216,623 16
All other demands against the Company 6,189 .''>."<
Total liabilities except net torpids 278,088 74
Surplus of aaaeta in the United States over liabilities, 425,770 56
Total liabilities including surplus, $708,854 80
IV. INCOME DURING THE YEAR.
Hie. Inland.
Fremiums received in cash. 498,270 85 17,580 27
Deduct, re-insurance, rebate, abate-
ments and return premiums 79,087 72 1,760 71
tab preminma 419,282 68 15,819 58 485,052 16
Prom interest on loans and dividends on stocks and bondfl 85,080 1 1
• ■ $470,182 80
v. EXPENDITURES DURING THE Yi:ak.
Inland,
•.eluding $80,*
i ■••urring in pr. . .... 289,877 88 12,974 18
I s . ■'. 16 Ml "I
I unpaid | ,861 60 12, 129 1 1
mm or brokerage, 90,475 70
Paid or all 1,600 00
1 1,682 16
Alio* '. 62,4
ash expenditure
334 LA CAISSE GENERALE INSURANCE COMPANY.
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 29,098,139 00 340,809 95
Having more than one and not more than three
years to run from date of policy, 4,332,319 00 50,257 69
Having more than three years to run from date of
of policy, 1,173,023 00 18,724 00
34.599,081 00 409,792 06
Inland. Premiums.
133,200 00 2,882 40
Business in Connecticut in 1877.
Fire risks taken, (no inland), 384,118 00
Premiums recsived on same, 5,304 59
Losses paid, 3,277 97
LA CAISSE GENERALE INSURANCE COMPANY.
Pabis, Fbance.
CAPITAL.
Paid up capital, $1,458,072 78
ASSETS.
Stocks and bonds,
Cash in office and banks,
All other assets,
371,870 87
56,226 16
4,225,757 62
Total Assets, $4,653,854 65
LIABILITIES.
Unpaid losses, 147,533 53
"Whole amount of unearned premiums, '. 2,125,533 53
Allother liabilities. 392,657 95
Total liabilities, 2,665,725 01
Capital stock, 1,458,072 78
Surplus beyond capital,....! 530,056 86
Total liabilities, including capital and surplus, $4,653,854 65
LA CA18 RALE INSURANCE COMPANY.
OME.
premiums reoeiyed 166 B4
st on bonds and moi I on loans and divi-
dends on eto ks and bonds, and from all other souroes BIS 71
Total inoome 9918, 164
EXPENDITURES.
raid for losses, 491,442 47
19,786 84
Commissions and broke rage 287,61
Bslariee, f ees, 1 121,502 12
Total expenditures 870,844 26
Premiums.
mount of risks in force 8,647,968,988 00 8,829,767 28
1 sines ths Company organized B,678,670 17
Stock owned by directors at date 17'.»,3(;8 42
UNITED STATES BRANCB LACAISSE GENERALE.
Attorney in >t. O. W. Pbxstoh, Hartford.
II. ASSETS.
i I}>,/i<I.i atoned by the Company.
Par Value. Market Value.
U. S. Stocks ■ —
I'. B rag. 1867, 6's, 10 00 210,760 00
" 18'Jl 4}'s, 60,00 61,760 00
■• 10-4 '.♦,000 00 IB 00
tsJ |869,000 <M) §272.176 (M) 272,176 no
I with trustees 16,9
GroK-^ of collection
All other property belonging to the Company -'.'..-
il their actual value $427,881 28
in. liauilitii
adjusted and unpaid 84,811 24
reported and unadjusted, 18,8(
resisted ... 10,69
Net aiuount of unpaid losses .... r78 l. r >
336 LA CAISSE GENERALK INSURANCE COMPANY.
Unearned premiums on fire risks, one year or less,... 129,147 92
Unearned premiums on risks more than one year, — 8,580 44
Amount of unearned premiums as computed above, 137,728 36
All other demands against the Company, 19,356 80
Total liabilities, except surplus 205,861 31
Surplus of assets in the United States over liabilities, 222,019 97
Total liabilities, including surplus, ..,. $427,881 28
IV. INCOME DURING THE YEAR.
Premiums received in cash, 341,520 22
Deduct re-insurance, rebate, abatements find return
premiums, 40,842 65
Actual cash premiums, 300,677 57
From interest on loans and dividends on stocks and bonds, 8,928 37
From all other sources, 23,285 89
Actual cash income, $332,891 83
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $16,132 72 occurring in pre-
vious years), 125,860 46
Commissions or brokerage, 95.863 U8
Actual cash expenditures, $221,723 54
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 19,151,017 00 258,295 84
Having more than one and not more than three
years to run from date of policy, 718.511 00 8.351 30
Having more than three years to run from date of
policy, 215.721 CO 3,086 23
20,1 10.279 00 269,736 43
Business in Connecticut in 1877.
Fire risks taken, (no inland), 297,900 00
Premiums received on same, 4,168 CO
Losses paid, 2 38
COMMERCIAL UNION ASSUKANOtf COMPANY,
COMMERCIAL rNK>N ASSURANCE COMPANY
1 ONIM '\. 1> ■ I \M>.
Oommenoed Business, 1861.
CAPITAL.
. up capital $1,350,000 00
ASS I
Loans on bond and mortgage 927,296 <'■'.»
Real estate owned 573,446 '■'•'.)
ksandbondi 8,872,499 80
Loans on collateral. 140,000 00
All other loans 802,1)70 67
and bank B88,85£
Premiums in ooozae of collection, 771,604 27
All other ■roots L80.49G 02
T 18,101,671 ()2
LIABILITIES.
Unpaid looses, 473,870 00
Whole amount ol unearned premiums 1,528,987 81
I fand nnder Life Department 2.042, loo 27
All oth-r liabilities 17. '.On R7
Total liabilities 4,692,948 Ifi
Capital stock 1,260,000 00
nd capital, 2,158,722 H7
d liabilities, including capital and surplus, $8,101,671 o-_>
INCOME.
Cash premiams received 8,791,495 10
:i bondl I ;md interest and dividends
from stocks and bonds 185,7
Department
$4,568,151 ><>
'JfiNDITUKES.
Paid f. 2. 802,040 -7
156,1
338 COMMERCIAL UNION] ASSURANCE COMPANY.
Commissions and Brokerage, -. 595,136 02
Selaries, fees, taxes &c, 297,755 57
Expenditures under Life Department, 296,425 49
Total expenditures, $3,647,423 90
Net amount of risks in force, (fire,) 587,654,615 00
Premiums thereon, 2,504,705 00
Net amount of risks in force, (marine,) 29,043,650 00
Premiums thereon, 545,115 00
UNITED STATES BRANCH COMMERCIAL UNION.
Alfred Pell, Manager in the United States.
Commenced Business in the U. S. January 20th, 1871.
Attorney in Connecticut, S. Chapman, Je., Hartford.
II. ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value,
U. S. Stocks : —
U. S. registered 5's, 300,000 00 316.125 00
4^'s, 625,000 00 647,656 25
Total, $925,000 00 $963,78125 963,78125
Cash in Company's principal office,... 92 17
Cash deposited in Bank, 75,265 77
Gross premiums in due course of collection, 92, 740 04
Bills receivable, 1,3*>0 54
All other property belonging to the Company, 26,294 79
Assets of the Company at their actual value, $1,159,534 56
III. LIABILITIES.
Losses reported and unadjusted, 59,556 99
Losses resisted, 30,052 92
Total, 89,609 91
Deduct re-insurance, 5,000 00
Net amount of unpaid losses, 84,609 91
LL UNION ASSURANCE v.r.wv
rnad pranivmi LrorleM,... '• u.7i^ 18
Unearned premiums <m riaki more th.ui ohm year 109,980 21
• >imt of unearned premiums m 454,678 .".i
28,94
d nmbiliti mrptua
in tlif I'm: DT6f 1 inl >il 1 1 i«>.
v.l liabilities ineluding surplus $1,159,584 56
iv. iv »Mi: DURING THE YEAR.
Kire. Murine.
vedincash 1,081,609 58 20,462 7'J
inee, rebul .ents
and return premium 148,047 62 2,0)2 94
I reminnu 902,011 :.">
Fron. . n loans and dividends on I bonds, 29,062 50
Actual'cash income $981,074 25
V. EXPENDITURES DURING THE SEAR.
Fire. :ne.
Amount paid fol I eluding |
174.." occurring in previous years 1«J^,4'.'7 18 12,4
Deduct salvage and re-insurance, 5,15!
I amonnt paid for losses, 468,843 27 12,486 76 475,880 02
Commissions or brokerage 196,209 '- ; I
Salaries and fees. 80, 4<
Taxes 19,684 97
Ail other payments and expenses 84,904 88
Actual cash expenditures, $766,981 C2
VI. MISCELLANE
Premiums.
Risks in i ing not more than one year
to run from date of policy 64,088,400 06
Having more than one and not more than three
years to run from date of policy. 12,186,814 00 124,186 99
Having more than three year-, to run from dflfc
policy, 7,761,760 00
Pren. 6,461,284 00
Lossee paid in the I"
l. n
15,24 i \-
i it
34.0 GUARDIAN FIRE AND LIFE ASSURANCE CO.
GUARDIAN FIRE AND LIFE ASSURANCE COMPANY,
London, England.
Commenced Business, Dec. 17, 1821.
CAPITAL.
Paid up capita] $5,000,000 00
ASSETS.
Loans on bond and mortgage, 2,228,210 00
Real estate owned, 159,825 00
Stocks and bonds, 4,486,925 00
All other loanR, 144,280 00
Cash in office and bank, , 389.955 00
All other assets, 181,525 00
7,590,720 00
Assets belonging to the Life Assurance Department, 7,362,890 00
Total assets, $14,953,610 00
LIABILITIES.
Unpaid losses,., 162,850 00
Total unearned premiums , 443,500 00
Liabilities under Life Department, 7,362,890 00
All other liabilities, 136,810 00
Total liabilities, , 8,106,050 00
Capital stock, ;. 5,000,000 00
Surplus beyond capital, 1,847,560 00
Total liabilities, including capital and surplus, $14,953,610 00
INCOME.
Cash premiums received, 1,046,300 00
Interest on bonds and mortgages, and interest and dividends
from stocks and bonds, and from all other sources, 300,950 00
Premiums, &c, from Life Department, 902,975 00
Total income, $2,250,225 00
EXPENDITURES.
Paid for losses, ... 526,050 00
Cash dividends, 350,000 00
,':iwv\ riRK ANH LI1 I 841
.... 1 42.57ft 00
190 00
All Otl
mder Life I 1,(
- IS 00
UNITED STATES BRANCH OF THE GUARDIAN,
60 Wall St. X"\v York City
the United States September L':.. 1872.
Attorney in .'. \V. E. IUkki:, Hartford.
II. ASS I
- •/•.< and Bands owned by the Company.
Par Value. Market Value.
-TOCKs: —
I". B s 1881, reg 460,000 00 475,812 50
6'b, 1881, reg 100,000 00 108,625 00
10-40*8, 1881, reg.,... 160,000 00 159,987 60
Total $700,000 00 *741.S7f> •«> 741,875 00
Cash in Company's principal office \ 4*004 no
I
ie and accrued 9,515 94
Groes premiums iii due course of collection 20,681 08
A.v- at their ictual value ."Stflb.14*: 04
III. LIABILITE
Net amount of
ims on fire risks, one year or less.... 67,588 55
Unearned premiums on rinks more than 1
I premium r07 21
Due and a
theCompany, 5,22
J li.duliti.
k *<-s ov.-r li.il.ili'i.-s.
342 GUARDIAN - FIRE AND LIFE ASSURANCE CO.
IV. INCOME DURING THE YEAR.
Premiums received in cash i 186,242 10
Deduct re-insurance, rebate, abatements and return
premiums, 16,598 54
Actual cash premiums, 169,643 56
From interest on loans and dividends, on stocks and bonds 32,534 77
Actual cash income, $202,178 33
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $287.94 occurring in pre-
vious years), 30,422 15
Commissions or brokerage, 29,386 83
Salaries and fees, 20,120 99
Taxes, 4,792 99
All other payments and expenses, 12,802 52
Actual cash expenditures, $97,525 48
VI. MISCELLANEOUS,
Premiums.
Risks in force having not more than one year to
run from date of policy, 14,661,585 06 115,067 11
Having more than one and not more than three
years to run from date of policy, 1,948,392 48 15,055 54
Having more than three years to run from date
of policy, 1,704,433 33 17,321 31
18,314,410 87 147,443 96
Business in Connecticut in 1877.
Fire risks taken, (no inland), 295,280 00
Premiums received on same, 3,554 94
Losses paid, 53 57
9AMBUKG BREMEN 11 K K INSURANCE COMPANY.
HAMBURG BREMEN FIRE INSURANCE COMPANY,
II kMBUBO, <i: KM vny.
355,
CAPITAL.
pital 1328,400 oo
- on bond and mortgage, 115,552 !'i
Stocks an-1 bonds 122 11
dbana 119,791) 18
ni bank at Bremen, end at different branches which have
given security to the Company 117,552 88
Premiums in course of collection, 189 B7
All other assets 169,018 58
Tot $1,84-5,280 41
LIABELT] [E9.
51,205 00
preminma 829,184 51
Allothex liabilities 848,580 86
Total liabilities 728,!
Capital stock 828,400 00
Los beyond capital, 292,910 54
including capital and surplus $1,845,
INCOME.
M
gee, and interest and dividends on
; n is
PENDITUB
344 HAMBURG-BREMEN FIRE INSURANCE COMPANY.
Commissions and. brokerage ; 119 330 02
Salaries, fees, taxes • &c, 66,212 39
Total expenditures, 374,834 03
Net amount of risks in force, ,.....,..,..,...." 69,089,652 00
Premiums thereon, , 358,644 73
UNITED STATES BRANCH OF THE HAMBURG-BREMEN,
Resident Manager in the United States, Sophas Von Dorien, New York.
Attorney in Connecticut. 0. M. Webster, Hartford.
II. ASSETS.
Stocks and Bonds oicned by the Company.
Par Value. Market Value.
U. S. Stocks : —
U. S. bonds 1865, new reg. 6's,.-- 96.000 00 98,760 00
1867, reg. 6's, 120,000 00 126,600 00
1881, " 80,000 00 91,697 50
10-40's, reg. 5's,..-.... 145,000 00 154,968 75
1881, fund, 5's, 79,000 00 83,345 00
1891, reg. 4£'s, 53,000 00 54,855 00
Total, $579,000 00 $610,226 25 610,226 25
Cash deposited in bank, 72,210 96
Net premiums in due course of collection, 33,473 20
Assets of the Company at their actual value, $715,910 41
III. LIABILITIES.
Net amount of unpaid losses, 24,540 00
Unearned premiums on fire risks, one year or less,... 155,141 85
Unearned premiums on risks more than one year, .. . 22,638 62
Unearned premiums as computed above, 177,780 47
Total liabilities, 202,3-20 47
Surplus of assets in the United States over liabilities, 513,589 94
Total liabilities, including surplus, $715,910 41
HAMBURG-BRBMBN riRK INSURANCE COMPANY 84t)
IV. [NOOME DURING THE STEAK.
Premiums received in cash, 897,661 <;i
Deduct iv-insuraiuv. rel 1 rot urn
48,928 l<!
Actual cash premiums :::.::, 7'j:; 15
From interest on United Statea bonds 25,911 '.'<;
Aotualcash income 1879,685 n
V. EXPENDITURES DURIN I THE YEAR.
Amount peid for losses, (inolading (19,189.88 ocenrring in pre-
▼ions years 153,154 18
Conn. 67,087 18
iesandfeefl 15,684 ."..';
- :..:>4;; 7(»
All other pa yments and expenses *jr>.*Jl !» 24
Actual cash expenditures, (266,588 88
VI. MISCELLANEOUS.
Premium*.
Risks in force having not more than one year
to 'run from .late of policy 29,088,042 00 310,288 70
ing more than one and no.t more than three
-to run from date of policy 2,314, 7GP» 00 28,705 40
Having more than three years to run from date
of policy 829,250 00 12.062 4H
82,245,055 00 861,051 58
Butinest in Connecticut in 1S77.
Firs risks taken 244,815 00
Premiums received on same 2.7"«1 .".7
- paid 4,610 ' B
44
846 IMPERIAL FIKK INSURANCE COMPANY.
IMPERIAL FIRE INSURANCE COMPANY,
London, England,
Commenced Business. 1803.
CAPITAL.
Paid up capital, $3,500,000 00
ASSETS.
Real estate owned, 838,377 70
Loans on bond and mortgage, 1587*50 00
Stocks and bonds, 5,871,405 74
Cash in office and bank, 142,803 24
Premiums in course of collection 074,387 25
All other assets, 84,666 82
Total assets, $7,770,000 75
LIABILITIES.
Unpaid losses, 091,910 00
Total unearned premiums, 913,200 00
All other liabilities, 163,881 33
Total liabilities, 1,708,991 33
Capital stock, 3,500,000 00
Surplus beyond capital, 2,501,099 42
Total liabilities, includiug capital and surplus, $7,770,090 75
INCOME.
Cash premiums received, 2,767.282 63
Interest on bonds and mortgages, and interest and dividends
from stocks and bonds, and from all other sources, 244,695 72
Total income, $3,011,978 3
EXPENDITURES.
Paid for losses, 1,371,443 65
Cash dividends, 360,000 00
Commissions and brokerage, 509,051 64
Salaries, fees, taxes, &c, 144,589 78
All other expenditures, 191,639 68
. Total expenditures 2,576,724 75
Net amount of risks in force, 473,997,950 00
Premiums thereon, 1,378,347 63
[MPKR1 VI. :iki: INSUH INCK COMP IN*
I'MTKI) STATES BKANCtl OF THE IMPERIAL
. B I IBS I ». Ai l«;: u. N.'w V(»rk.
'. c. 0, Kimi'u.i,. Hartford.
II. asskts.
' ompany.
Par Vain.'. tfarket Value.
r. s. and State Stocks : —
U. 8. 10-40'a reg., 1861 812,800 00 226,099 50
•• 5's, funded loan. 1881, reg., 10,000 00 10,562 50
•* 10-40*8 reg., 1 861 120,000 00 127,800 00
•• 5-20'sreg.. 1868, 7,000 00 7,472 60
50,000 00 53,875 00
I loan, 1881, reg., 25,000 00 26,406 25
- reg., is.;: 48,000 00 45,297 50
1869 67,000 00 -17 50
• 10-40'a* 4 1864 88,000 00 40,470 00
•• -Vs. funded loan, 1881, reg., 175,000 00 184,843 75
Virginia 8tat* Bonds and Certs.... 86,000 00 26,400 00
Alafa *• 1O.000 00 4,(i(M) 00
Tennessee " 2(1.01)0 00 t;.77."> 00
;;h Carolina " 20,000 00 8,000 00
Total, $873,800 00 1828,349 60 828,349 50
in Company's principal office 1(10 J8
ritedin bank, 19,886 10
premiums in doe course of collection,. 7,427 94
>f the Company at their actual value, $855,823 72
III. LIABUJTD -
Losses reported and unadjusted. 7,". f 50 80
\- • nmoanfl of unpaid losses 090 66
,784 17
oinms <m rii 76,955 4 1
»f unearned premrun 220,'
All otJ 1,742 16
260,
Surplus a the Unitl ver liabilities
Total liability, including mrplui
848 IMPERIAL FIRE INSURANCE COMPANY.
IV. INCOME DURING THE YEAR.
Premiums received in cash, 391,057 37
Deduct re-insurance, rebate, abatements and return
premiums, 63,803 96
Actual cash premiums, 327,253 41
From interest on loans and dividends on stocks and bonds, 36,498 05
Actual cash income, $363,751 46
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $25,711.09 occur-
ring in previous years), 202,465 65
Deduct salvage and re-insurance, 110 00
Net amount paid for losses, 202,355 65
Commissions or brokerage, 49,337 44
Salaries and fees, 24,668 72
Taxes 15,417 31
Actual cash expenditures . $291, 779 12
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 23,627,125 00 287,568 34
Having more than one and not more than three
years to run from date of policy, 3,963,956 00 43,369 38
Having more than three years to run from date of
policy, 4,365,267 00 59,237 83
31,956,348 00 390,175 55
Premiums received in the United States 6,651,695 00
Losses paid in the United States, ... 4,673,557 51
Business in Connecticut in 1877.
Fire risks taken, (no inland), 478,137 51
Premiums received on same, 6,393 70
Losses paid, ■.-,... 9,223 79
LANCASHIRE [N8URANCK COMPANY
LANCASHIRE INSURANCE COMPANY,
lLoi Bholahd.
Commenced Business, June. 1862.
CAPITAL.
Paid up capital - 00
SETS.
Loans on bond and mortgage (1,535,198
I bonds 1,710,722 50
Loans on collateral. • > 00
All other loans
::oe and banks
Premiums in course of collection,
All other assets _.;i 42
Total assets
LIABILITIES.
242, 1 :,C t 1 6
Whole amount of unearned premiums 496 85
Re-insurance under Life Dep:* rtment, ] . - .
Interest due and remaining unpaid
Total liabilities i
"c i.
Sorplos d,
I surplus 1
INOO
Interest on bonds an I on loans and divi-
deuds on stocks and bond-
Total in
for Umbos,
.
Salar:-
-
350 LANCASHIRE INSURANCE COMPANY.
UNITED STATES BRANCH OF THE LANCASHIRE,
Resident Manager in the United States, Henry Robertson, N.Y. City.
Attorney in Connecticut, W. E. Baker, Hartford.
It. ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
U. S. bonds, 5-20's. 1867, 200,000 00 210,750 00
Funded loan, 1881,. 450,000 00 473,625 00
H's, loan, "... 25.000 00 25,843 75
Total, $675,000 00 $710,218 75 710,218 75
Cash deposited in bank, 14,601 35
Net premiums in due coarse of collection, 18,906 92
Assets of the Company at their actual value, $743,727 02
III. LIABILITIES.
Losses adjusted and unpaid, 15,014 85
Losses reported and unadjusted. * 21,605 90
Losses resisted, 9,000 00
Net amount of unpaid losses, 45,080 75
Unearned premiums on fire risks, one year or less,... 209.910 60
Uneai-ned premiums on risks more than one year, .... 61,055 79
Amount of unearned premiums as computed above, 270,066 39
All other demands against the Company, 1,500 00
Total liabilities, 318.147 14
Surplus of assets in the United States over liabilities, 425,579 88
Total liabilities including surplus $743,727 02
IV. INCOME DURING THE YEAR.
Premiums received in cash 581,368 86
Deduct re-insurance, rebate, abatements and return
premiums, 103,185 CO
Actual cash premiums, 481,1*83 2(>
From interest on loans and dividends on stocks and bond*, 5,265 60
Actual cash income #186,418 SO
LANCASHIRE INSURANCE COMPANY.
v EXPEND] H7RES DUBING I HE JTEAB
mount paid for Iomoi
> •»*. 11
Salaries «inl fees .! BO
, II."
antual oaah expenditure!, 1484,880 78
vi lilS ] ; LANEOU8.
Premiums,
in fore* baying not more than one year to
rui ■■■••f policy, 89,900 171 00 119,821 21
Baying more than one and not more than three
re to run from liey 8.005,455 IX) 85,4
re than t). to run from date of
1,028.834 00 50,412 02
49.934,203 00 541,(581
Premium!) 2,908.009 no
I. » - i Jd in the United States, 1,512,080 00
Btuine$sin Oonneotieui in i v 77.
Fire neks taken, [no inland, i 745,037 50
ii same 11,817 98
a paid 7,17
352 LIV. AND LON. AND GLOBE INSURANCE CO.
LIVERPOOL AND LONDON AND GLOBE INSURANCE
COMPANY,
Liverpool, England.
Commenced Business, June, 1836.
CAPITAL.
Paid up capital, .' $1,228,200 00
ASSETS.
Real estate owned, 2,650,555 19
Loans on bond and mortgage, 6,919,423 02
Stocks and bonds 13,249,560 91
All other loans. 932,347 90
Cash on deposit, 1,004,512 06
Cash deposited in bank, 853.242 00
Interest due and accrued on mortgages, stocks, &c, 163,399 27
Premiums in course of collection 799,993 54
Annuities, Life and Reversionary interests purchased by the Co. 1,085,763 10
All other assets, 61,343 17
Total assets, $27,720,140 16
LIABILITIES.
Unpaid losses, 325,100 00
Total unearned premiums, 1,649,594 31
Amount reclaimable by the insured on perpetual policies, 296,568 17
Liabilities under Life Department, 13,690,356 50
All other liabilities .' 6,093,861 14
Total liabilities, 22,055,480 12
Capital stock, 1,228,200 00
Surplus beyond capital, 4,436,460 04
Total liabilities, including capital and surplus, $27,720,140 16
INCOME.
Cash premiums received 4,948,782 98
From ^interest on bonds and mortgages, and interest and divi-
dends from stocks and bonds, 556,960 00
Total income, $5,505,742 98
I. IV. v\ D ! 'N w D QU R Mi'AN V
for kMMtt,
w;<> 00
i. :;■■'•'•. 197 2 ">
§4,114,848 17
1,418,481,788 <><>
1,884. I
rNiTKD STATES BRANCH OF THE LIVERPOOL AND
LONDON AND GLOBE.
Cornmen the United States, !
Bmid :er. Jambs K. PuUTOBD, 4.~> William Street, New York.
' J. (j. Xoi.Tn. New Haven.
II. ASSETS.
Ileal estite o-.vne 1 l>v the Company unencumbered, *.>:;.", <>'.
Loans on and bond uion not more than one
• <lne 924,719 M:>
'uric, i hy the Company.
' Value. Market Value.
9 and State Stocks : —
r 8
00 511,4 '
■ : so
"
1
4J
4 P 00 101,
8o
' I
•1,605,
34,120 06
354 LIV. AND LON. AND GLOBE INSURANCE COMPANY.
Cash in Company's principal office, 9,495 82
Cash deposited iu Bank, 354,934 78
Interest due and accrued on stocks, )
Interest due and accrued on collateral loans, )
Net premiums in due course of collection, 278,819 59
Bills receivable, 72,482 54
Rents due and accrued, 2,037 73
All other property belonging to the Company, 2,703 65
Assets of the Company at their actual value, $3,959,901 00
III. LIABILITIES.
Losses adjusted and unpaid, 9,443 50
Losses reported and unadjusted, 147,251 39
Losses resisted, 46,767 13
Total, 203,462 02
Deduct re-insurance and salvage, 250 00
Net amount of unpaid losses 203,212 02
Unearned premiums on tire risks one year or less, 982,810 30
Unearned nremiums on risks more than one year, 561,175 35
Amount of unearned premiums as computed above, 1,543,985 65
Amount reclaimable by the insured on perpetual fire policies, 280,699 41
Re-insurance fund under Life Department, 105,658 70
All other demands against the Company, 58,213 71
Total liabilities, 2,191,769 49
Surplus of assets in the United States over liabilities, 1,768,131 51
Total liabilities, including surplus, $3,959,901 00
IV. INCOME DURING THE YEAR.
Premiums received in cash, 2,938,088 89
Deduct re insurance, rebate, abatements and return
premiums, 384,379 27
Actual cash premiums, 2,553,709 62
From interest on bonds and mortgages, 53,940 52
From interest on loans and dividends on stocks and bonds 61,254 75
From all other sources, 44,154 43
Deposit prems. (less 5 p. c.) from perpetual risks,.. $16,519 81
Actual cash income, $2,713,059 32
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $90,238.75 occur-
ring in previous years), 963,060 37
Deduct salvages and re-insurance, .8,593 47
Net amount paid for losses, 954,466 90
l.IV. AM> LON. AM) OLOBK INSURANCE COMPANY.
154,1
. . 50,216 -r.>
All other p i\ n, .... 1 12,(
20,2'
sit premium reoeiTed for perpetual Are rinks, | • 91
$1,608,916 7'.»
VI. M; S.
Premiums.
t..
runt' . v I7fl,615,0!l0 00 1,943,602) 58
' inoii- than tli I
b to ran from date of policy 14,865,29-1 00 .">;;:», .".14 80
to inn from date
ol poll y. 28,964,529 ' 1,825 68
in force 7,615,352 00 22,017 02
258,061,1 .". I 2,91 1,260 68
Premioma received in the United States 88,516,101 84
. 1 in the United States 22,910,649 64
! in 1877,
l 2,251,74
Premiums received on same L'C.'.iO!) G3
lid 1 5,051 CO
356 LONDON ASSURANCE CORPORATION.
LONDON ASSURANCE CORPORATION,
London, England.
Commenced Business, 1 720.
CAPITAL
Paid up Capital, $2,241,375 00
ASSETS.
Loans on bond and mortgage, 9,872,715 00
Stocks and bonds, 4,220,055 00
Loans secured, 470,990 00
Cash in office and bank, 212,270 00
All other assets, 370,005 00
Total assets, -. $15,146,095 00
LIABILITIES.
Unpaid losses, 438,645 00
"Whole amount of unearned premiums, 769,430 00
Re-insurance fund under Life Department, 8,340,400 00
All other liabilities. 28,870 00
Total liabilities, 9,577,345 00
Surplus as regards policyholders, 5,568,750 00
Total liabilities, including surplus, $15,146,095 00
INCOME.
Cash premiums received, 1,501,180 00
Interest on bonds and mortgages, and interest on loans and divi-
dends on stocks and bonds, 635,410 00
From all other sources 826,705 00
Total income, $2,963,295 00
EXPENDITURES.
Paid for losses, , 768,710 00
Cash dividends, 537,930 00
Commissions and brokerage, 196,300 00
Salaries, fees, taxes, &c, 196,120 00
All other expenditures, 1,204,595 00
Total expenditures, 2,903,655 00
Net amount of risks in force, 293,709,350 00
Premiums thereon, 1,121,200 00
SCI CORPORATION, 367
UNITED ST VlT.s BRANCH LONDON ASSURANCE.
m; A II '.ty.
• 1 Bneineai in the United States, July, I
1 ■ Baron.
H. A.3SETS.
bond and mortgage (first liena), more than one year's
inf M SI
t and B \» owned by tat Company.
Pei Value. Market Value.
\s: —
T 525,000 00 854,906 25 854,906 25
principal offioe, 1,81
in bank 78.894 60
reminma in duo course of collection 18,422 01
Aaaets of the Company at their actual value (950,656 15
III. LIABILITi;
imount of unpaid losses 15,1 l
Unearned premiums on fire risks, one year or less,... 142,602 02
Unearned premiums on risks more than one year, — 99,193 86
Amount of unearned premiums as computed above, 241,796 38
Total liabilities, except surplus
Surplus of assets in the United States over liabilities, 693,860 77
Total liabilities, including surplus, $950,666 16
IV. INCOME DURING THE Vi'.vi:.
161,818 19
trance, rebate,abatementa end return
premium 7M1*- 10
Aetna] each premiutna
:. loan- anddii I
income, ..
amount paid f
358 LONDON ASSURANCE CORPORATION. -
Commissions or brokerage, 52,563 00
Salaries and fees, : 25,920 13
Taxes, 18,096 28
All other payments and expenses, 43,531 32
Interest remitted home office, 10,673 14.
Actual cash expenditures, $325 808 93
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy, 38,216,970 00 330.507 14
Having more than one and not more than three
years to run from date of policy, 7.953,665 00 90,500 81
Having more than three years to run from date of
policy, 3,844,474 00 46,381 03
50,015,109 00 467,388 98
Business in Connecticut in 1877.
Fire risks taken, (no inland), 764,542 00
Premiums received on same, 8,110 49
Losses paid, 255 88
'!■::;<• \\ i ii. k I'Ikk [N8UH
NORTH BRrnSIl AND MERCANTILE FIRE [NS1 I.
li'AXV.
ind, and Bdzmbubob, Scotland.
Oommeneed Busin< am, I -
0AP1 r.VL.
up capital $1,8*
ASSETS.
1,458.541 64
l,8£
Stoc> 8,1
Loan- I ."..."'.1L' '.»"»
ink 51,241 M
from branches and agencies and foreign bankers, 1,629, 169 66
oiums in course of collection 858,871 7:'
All other i 109,59188
18.500,185 10
LIABILITIES.
459,482 28
Unearned premiums. 1,560,117
All other liabilities .' > 75
2,517,!
k 1
Surplus beyond capital 4,618,1
Total liabilities, including capital and surplus ". io
INCOME.
Premiums received in cash I
.Is and i; in loans, and
div U. an 1 from all other sources, ,584 11
-
ENDITUB
Cash 518.181 81
aii oil n 05
Total expenditure . . §■;,
!60 NO. BBITISH AND MERCANTILE FIRE 1NSUKANCE CO.
UNITED STATES BRANCH NORTH BRITISH AND
MERCANTILE.
Managers in the United States, Chas. E. White and Sam. P. Blagden,
54 William Street, N. Y.
Commenced Business in the United States, December, 1866.
Attorney in Connecticut, J. W. Smith, Waterbury.
II. .ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
U. S. G's registered, 1881 50,000 00 53, 250 00
" 5's '' " 112,000 00 117,880 00
" 5-20's " 1867, 20,000 00 21,050 00
" 4^'s " 1891, 836,000 00 865.260 00
" Currency 6's, registered,.... 310,000 00 368,900 00
Illinois 6's, coupon, 17,000 00 17,170 00
Alabama 8's, " 10,000 00 4,000 00
Virginia 6's, reg., (consols), 37,300 00 24,618 00
" def. certificates, reg., 18,700 00 935 00
South Carolina 6's, funded, coup. 11.500 00 4,600 00
Tennessee 6*8, " " 26,000 00 8,840 00
Municipal Bonds : —
N. Y. City and County 7's, reg.,.. 49,000 00 53.900 00
Total, $1,497,500 00 $1,540,403 00 1,540,403 00
Cash in Company's principal office, 220 39
Cash deposited in Bank, 116,873 60
Net premiums in due course of collection, 51,785 30
Bills receivable 1,682 00
Assets of the Company at theii actual value, $1,710,964 29
III. LIABILITIES.
Losses adjusted and unpaid, 15,811 16
Losses reported and unadjusted, 21,993 45
Losses resisted, 25,435 76
Net amount of unpaid losses, 63,240 37
Unearned premiums on fire risks, one year or less 508,232 00
Unearned premiums on risks more than one year, .... 191.086 17
Amount of unearned premiums as computed alcove, 702,318 17
\->. BRITISH AM' MERCANTILE FIRE IN8URAN01 861
I liabilities exoepl not surplus
Surplus of assets in the United B t liabilities 1)45,406 ::.
J liabilitief Lnolnding surplus, $1,710,9<
iv. [NOOHE DUBIN I THE ZEAR.
Preminma In oaab 1,886,228 n>
I .-. abatements rod return
146,446
remiuma !,289,776 80
Prom intereet on loans and dividends on stocks and bonds 79,081 46
8,200 48
Aotual oaah income $1,822,068 48
v. EXPENDITURES DURING THE YKAK.
Amonnl paid for losses, (including $64,886.84 ooonrringin pre-
vio 628,076 21
ins or brokerage 167,418 84
- 80,598 90
29,799 61
All other p ind expenses. 80,01)9 25
Remitted to parent offioe, London, .'{08,(517 G8
Actual cash expenditures $981,581 71
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy 88,009,030 00 1,016,404 00
Having more than one and not more than three
to run from date of policy, 22,014,770 00 254,817 56
ig more than three years to run from date of
Of policy, 9,274,717 00 109,378 57
119,898,628 00 1,380,660 13
Premiums received in the United States 18,064,881 54
Losses paid in the United States, 9,173,230 37
in Connecticut in 1877.
Fir* rMcs taken, 'no inland' 8,228,666 00
Premium^ >n same, B8,168 89
Lossss paid, 14,620 17
362 NORTHERN ASSURANCE COMPANY.
NORTHERN ASSURANCE COMPANY,
London, England.
Commenced Business, June, 1 836.
CAPITAL.
Paid up capital, $750,000 00
ASSETS.
Loans on bond and mortgage, 2,455,062 25
Eeal estate owned, 288,239 95
Stocks and bonds, 4,963,143 60
All other loans, 2,129,195 18
Cash in office and bank, 358,276 66
Premiums in course of collection, 58,220 21
All other assets, 723,458 59
Total assets, $10,975,596 44
LIABILITIES.
Unpaid losses, 297.808 12
Unearned premiums, 672,629 52
Liabilities under Life Department, 6,219,076 33
All other liabilities, 217,298 89
Total liabilities 7,406,812 86
Capital stock, 750,000 00
Surplus beyond capital, 2,818,783 58
Total liabilities, including capital and surplus, $10,975,596 44
INCOME.
Cash premiums received, 2,759,020 50
Interest on bonds and mortgages, and interest and dividends on
stocks and bonds, 474,820 27
From all other sources , 32,489 96
Total income, $3,266,330 73
EXPENDITURES.
Paid for losses, , 1,405,161 37
Cash dividends , 225,000 00
RTHKRN ASSURANCE 0OMPAN1
ad brokerage, 801,442 48
All other expenditures, 117.1
Total expend 2. 899, 1 41 06
187,962,000 00
iunis thereoD 1,845,259 06
UNITED STATES BRANCH NORTHERN ASSURANCE.
'.'. Allxgeb, :;;'. Pine St.. New York.
Commenced Busis
Attorney in I ■'. OablobO. Kimball, Hartford.
II. ASS]
owned by the Company.
Value. Market Vulue.
Stocks : —
V. s. reg., 1865 155,( 159,262 SO
■■ :,'s. funded loan, 1881, reg. 54,000 00 102 50
M 10-40'a, reg., 1864 25,000 00 26,625 00
a, funded loan, 1881, reg., 75,0 79,081 25
M 10-40'a, reg.. 1864 85,000 00 87,275 <">
B. funded : . reg., 16,000 00 15,806 25
•• 4;,'-. funded loan, 1891, reg., 25,000 00 375 00
•• ... l881j 81,000 00
11 U's '" " 1891, •• 1 00 61,0
Total, $524,000 00 9647,196 25 647,191
principal office 160 19
Cash deposited in hank —1; 10
1 premiums in d of collection. 7.:
it their icttial Talne $574,670 i~
III. LIABILITD
LoSSe i
1 1,064
* unpaid loaeai
Unearned premiums on firt ce year or less,... 148,784 17
I ! 1
irued premium* as
364 NORTHERN ASSURANCE COMPANY.
All other demands against the Company,^.. 1,742 15
Total liabilities, except net surplus, 203,115 09
Surplus of assets in the United States. over liabilities, 371,555 38
Total liabilities including surplus, $574,670 47
IV. INCOME DURING THE YEAR.
Premiums received in cash,... 300,978 19
Deduct re-insurance, rebate, abatements and return
premiums,.... 63,004 37
Actual cash premiums, 327,973 82
From interest on loans and dividends on stocks and bonds, 27,307 86
Actual cash income, $355,281 68
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses (including $2,764.72 occur-
ring in previous years), 172,396 44
Deduct salvages, . 110 00
Net amount paid for losses, 172,286 44
Commissions or brokerage, 49,196 07
Salaries and fees, 24,598 03
Taxes, '. 13,726 32
Actual cash expenditures, $259,806 86
VI. MISCELLANEOUS,
Premiums.
Risks in force having not more than one year to
run from date of policy, 23,627,125 00 287,568 34
Having more than one and not more than three
years to run from date of policy, 2,876,862 00 31,513 86
Having more than three years to run from date
of policy, 1,726,118 00 20,756 95
28,230,105 00 339,839 15
Premiums received in the United States, 752,298 27
Losses paid in the United States, 246,236 55
Business in Connecticut in 1877.
Fire risks taken, (no inland), 478,137 51
Premiums received on same, 6,393 70
Losses paid, ,..<: 9*223 79
QUXBN IN81 HANOI COMPANY,
QUEEN INSURANCE COMPANY,
Oommonoed Business, August 17, 1868.
CAPITAL.
up capital 1900,175 00
ASS I
- 00 bond and mortgage ".10 00
ned ii.") 00
Stocks tad bonds 2,208,891 00
Loans on collateral, :'.:!,:»00 00
All other loans 139,431 00
in office and bimk, 201,185 00
All other assets, 282.428 00
Total assets, $4,288,860 00
LIABILITIES.
Unpaid looses, 232,4.">»; 00
W hole amount of unearned premiums, 403,815 00
^--insurance fund under Life Department, 1,872,511 00
All other liabilities, lll,i»83 00
Total liabilities, 2,120,765 00
Capitalstock 900,175 00
Surplus beyond capital, 1,167,420 <>o
Total liabilities, including capital and surplus, $4,188,860 00
INCOME.
Cash premiums received 2,019,075 00
Interest on bonds and mortgages, and interest on loans and
dividends on ttoekfl and bondfl and from all other sources ] 2 7, ur.r, oo
UJ income ,. on
ENDITUBE8
1 tor losses, 1,13
1 1 jkerage. .
: es, taxe* I
■••••• :
366 QUEEN INSUKANCE COMPANY.
Premiums.
Net amount of risks in force, 218,408,600 00 807.630 00
Premiums received since the organization of the Company, 14,380,070 00
Losses paid since the Company organized, 9,194,985 00
Cash dividends paid stockholders, 1,024,620 00
Stock owned by directors, 121,145 00
UNITED STATES BRANCH OF THE QUEEN,
Manager in the United States. W. H. Ross, New York.
Commenced Business in the U. S. May, 1866.
Attorney in Connecticut, C. C. Kimball, Hartford.
II. ASSETS.
Real estate owned by the Company unencumbered, $214,517 00
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
United States 6 per cent. 1881,... 720,006 00 770,400 00
10-40's, 325,000 00 346,125 00
Alabama certificates 5's, 10,000 00 4,000 00
Total, $1,055,000 00 $1,120,525 00 1,120,525 00
Cash deposited in Bank, 151,543 09
Net premiums in due course of collection, 20,582 94
Assets of the Company at their actual value, $1,507,168 03
III. LIABILITIES.
reported and unadjusted, 71,868 49
Losses resisted, 15,353 57
Total, 87,222 06
Deduct re-insurance, , 1,666 67
Net amount of unpaid losses, 85,555 39
Unearned premiums on fire risks, one year or less,... 319,423 17
Unearned premiums on risks more than one year,.... 1 19,791 04
Amount of unearned premiums as computed above 439, 214 21
COMPAN \ .
d f..r rani i.»;
I tiabiliti<
• \ cr lialulitiea - Bfl 12
trphu $1,607,11
IV. [N0OME DURING THE XEAB.
h ■ 92
I return
praminmi '.»:.. :••;:
Actual cash pi 901,672 »;"
■Is .: I i 82
Actual cash incoi $9G2,01(i 92
V.- EXPENDITURES DURIN FEAB.
iur-
ririL 474,707 32
Dedu 8,814
.unount paid for losses 471.
128,905 <;*>
Salari 41,2
21,446 95
Alio; nd expenses. K) 52
i .i 1 c ash e x pe n d i t u r e s
VI. MISCELLAN1
Prpiniums.
in force having not more than one year
ran from date of poli y
re than one and not more th;m three
run from date of policy B,6 105,870 , -' , - >
Having more than tl. . from date of
policy.
"7 no
-Mte->...
• s paid in I
1,< |
Bui
:;. i
I
368 KOYAL INSURANCE COMPANY.
ROYAL INSURANCE COMPANY,
Liverpool, England.
Commenced Business, June 13, 1845.
CAPITAL.
Paid up capital $1,447,725 00
ASSETS.
Loans on bond and mortgage, 2,603,050 63
Real estate owned, , 1,050,816 63
Stocks and bonds 8,002,956 11
Loans on collateral, 4,999,198 30
All other loans, 489,575 04
Cash in office and bank, 725,954 56
All other assets, 578.479 48
Total assets, $18,450,030 75
LIABILITIES.
Unpaid losses, 236,950 35
Total unearned premiums 1,750,976 14
Amount reclaimable on perpetual fire policies,.... 17,380 18
Re-insurance fund under Life Department, 10,061,250 00
All other "liabilities, 198,131 03
Total liabilities, 12,264,687 70
Capital stock, , 1,447,725 00
Surplus beyond capital, 4,737,618 05
Total liabilities, including capital and surplus, $18,450,030 75
INCOME.
Cash premiums received, 3,612,289 69
Interest on bonds and mortgages, and interest on loans and divi-
dends on stocks and bonds, and from all other sources, 320,337 92
Total income, $3,932,627 61
EXPENDITURES.
Paid for losses, 1,969,240 88
Cash dividends, 361,931 25
Commissions and brokerage, 451,293 66
YAL IN81 K A -'.i'VN^.
»61 -?4
MM.
; i do 4,1
d, 82,105,118 15
4. 7
owned by directori al date 177,900 oo
rxiTKI) STATES BRANCH OF THE ROYAL,
vger in tk< Un . Josh H. McLakln.
AUomqf ii nt, B. EL Allen, Hartford.
II. ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value
r. s. Btookb —
r. S. n . 185,000 on 196,793 7."»
percent., 1,425,4 1,702,007 50
6 per oent 1881 10 . 106,500 oo
100,00 > (i > 106,685 oo
55.000 oo 2 .".o
- . -
Cash . ipej office 418 OG
:i beak 878,001 80
45,915 oo
m 163,040 06
1 i.:
All o*. 4,98
8,1
Amount d< 1 1-1 !'•'
AwUofth J at ikeir uclual value, >-
370 ROYAL INSURANCE COMPANY.
III. LIABILITIES.
Losses adjusted and unpaid, 27,980 86
Losses reported and unadjusted, 58,406 09
Losses resisted, 25,360 42
Net amount of unpaid losses, 111,747 37
Unearned premiums onjfire risks, one year or less,... 680,758 54
Unearned premiums on risks more than one year, ... 492,404 88
Unearned premiums as computed above, 1,173,163 42
Amount reclaimable by the insured on perpetual fire policies, 17,Ki4 18
Re-insurance fund under life department, 119,550 00
Due and accrued for salaries, rent &c, 1,360 93
All other demands against the Company, 41,099 80
Total liabilities, 1,464,085 70
Surplus of assets in the United States over liabilities, 1,217,807 29
Total liabilities, including surplus, $2,681,892 99
IV. INCOME DURING THE YE Alt.
Premiums received in cash, 1,892,168 1 1
Deduct re-insurance, rebate, abatements and return
premiums, 222,895 95
Actual cash premiums, 1,669,272 16
From interest on bonds, 101,607 76
From all other sources, 551 57
Deposit prems. (less 5 p. c.) received from perp't risks,. .$1,642. 75
Actual cash income, $1,771,431 49
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $156,482.53 occur-
ring in previous years), 767,211 14
Deduct salvage and re-insurance, 39,507 84
Net amount paid for losses, 727,703 30
Commissions or brokerage 307,115 57
Salaries and fees, 102,279 19
Taxes, 39,305 28
All other payments and expeuses, 61,656 35
Actual cash expenditures, $1,238,059 69
VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year
to run from date of policy 114,878,362 18 1,361,517 08
Having more than one and not more than three
years to run from date of policy 31,786,813 45 361,409 26
ROYAL CANADIAN INSURANCE UOMPANY.
• :v than t!. to run from )
j 86,102,2*7 12
•ml risks in foroa and interest prem
188,767,482 77. 2,260,719 14
' ■■ I -77.
lire risks taken 1,468,692 20
Premiuma ns*m« 20,9
Losses peid 6,986 77
ROYAL CANADIAN [NSURANCE COMPANY,
... Canada.
Commenced Business, August 115, 1873.
CAPITAL.
Paid up capita! $800,000 00
ASSETS.
Loans on bond and mortgage 46,500 oo
Stocks and bond-. 672,26
Loans on L\*i7!> 68
. in office and bank, 82,1*
All other assets, l!».->,4<;t; l:;
$947,996 12
LiABiLrnEa
4 "7
Total nnearned premiums 410,186 26
All other liabilr 7. 28
1 60
Ciu
1 i :.
hiding au
372 ROYAL CANADIAN INSURANCE COMPANY.
INCOME.
Cash premiums received 801,317 19
Interest cm bonds and mortgages, and interest on loans and divi-
dends on stocks and bonds, and from all other sources, 37,875 86
Total income, $839,223 05
EXPENDITURES.
Paid for losses, 1,145,872 11
Commissions and brokerage, 133,417 36
Salaries, fees, taxes, &c, 79,043 94
All other expenditures, 126,313 03
Total expenditures, 1.484,646 44
Premiums.
Net amount of risks in force, 60,255,114 741,987 07
Premiums received since the organization of the Company, 4,707,483 90
Losses paid since the Company organized, 2,913,852 88
Cash dividends paid stockholders, 71,270 45
UNITED STATES BRANCH OF THE ROYAL CANADIAN.
Commenced Business in the United States, 1873.
Resident Manager, W. J. Hughes, New York.
Attorney in Connecticut, W; H. Townsend, Hartford.
II. ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks: —
United States 5's, May, 1881, 200,000 00 213.500 00
" 6's, July, 1881, 100,000 00 109,625 00
" 6's, 1865-69, 100,000 00 113,125 00
6's, Currency, 1895, 10,000 00 12,400 00
" " " 80,000 00 99,250 00
Total, $490,000 00 #547,900 00 547,900 00
Cash deposited in bank, 15,408 47
Net premiums in due course of collection, 78 ; 184 74
Bills receivable, • 5,566 11
All other property belonging to the Company 11,087 30
Assets of the Company at their actual value, $658,146 62
\l« 0ANAD1 w [NSUB INOK COMPANY.
III. LIABILITE
and unpaid 31,641,78
! Mid 20,927 01
isted 6,550
mntofunpa .".'.Mis 71
Unearned premiams on fin risks, one year or less.... 208,402 :'.l
irned premiums od ris than one year 66.180 22
trued premiums on inland navigation risks 2.715 <>'•>
rned premiums on unexpired marine risks, 2,767 18
of unearned premiums sa oomputed above ,015 18
All other demai the Company
1 I il liil.il it i.'s ami surplus, 840,097 0:1
Bnrplns of asaetB in the United States over liabilities, :;!K,<n,s :i;;
Total liabilities, including surplus, $658,146 02
IV. INCOME DURING THE YEAR.
M. & In.
Premiums received in cash, 0.">7,908 08 63,129 05
Deduct re-insurance, rebate, abatements
and return premiums 160,826 97 9,259 42
Actual cash premiums, 497,:417l 43,870 28 641,01194
From interest on loans and dividends on stocks and bonds, 900 01
Actual cash income, L '.).">
V. EXPENDITURES DURING THE YEAR.
Fire. M. & In.
Amount paid for losses, (including $114,-
- 80 occurring in previous years 560,158 62 89,032 4.~>
Deduct salvage and re-insurance, 58,668 27 1,798 87
• amount paid for losses, 601,485 85 87,238 r,H 588,718 93
Commissions or brokerage 106,150 42
87,120 17
2'_ J .'.'7 7 85
ants and expenses, 94,588 71
Actual cash expenditures il 08
VI. MISCELLANEOUS.
Premituna
in force having not more than one year to
run fr<-- 5 00 416,804 68
d 1 not more than 1 1
run from date of policy 6,146 852 17
lO run from d. '
policy, 2,9 3,199
4 1. I 543,
In.
97,904 00 5,4
374 SCOTTISH COMMERCIAL INSURANCE COMPANY.
Business in Connecticut in 1877.
Fire, marine and inland risks iaken, 769,879 00
Premiums received on same, 9,925 20
Losses paid, 10,320 97
SCOTTISH COMMERCIAL INSURANCE COMPANY,
Glasgow, Scotland.
Commenced Business, August 14, 1855.
CAPITAL.
Paid up capital, $625,000 00
ASSETS.
Real estate owned, 122,851 25
Loans on bond and mortgage, 122,05-1 56
Stocks and bonds, 661,372 21
Loans on collateral, 66,205 00
Cash in office and banks, 74,491 93
All other assets, - 319,318 43
Total assets, $1,366,293 38
LIABILITIES.
Unpaid losses, 29,456 90
Unearned premiums, 366,088 39
All other liabilities 23,752 53
Total liabilities, 419,297 82
Capital Stock, 625,000 00
Surplus beyond capital, 321,995 56
Total liabilities, including capital and surplus, $1,366,293 38
INCOME.
Cash premiums received, 890,104 76
Interest on bonds and mortgages, and interest on loans and divi-
dends on stocks and bonds, and from all other sources, 205,347 24
Total income, $1,095,452 00
0TTI8H COMMBKQIAL INSURANCE COMPANY.
KXPBNDIT1 ELE&
»40 18
Lend*
I ins and bn 145,710 7::
Allot! 189,202 17
f918,8
Amount of risks in force I Jfi <><>
iams thmreon 782, 1 78 7:»
Premiums reoeiyed sinoe the Company organised 4,161,487 00
■ Comp.im .1 2,855,531 00
UNITED STATES BRANCH OF THE SCOTTISH
COMMERCIAL,
In tin Vi . EL w. Obowxll, W, T. Read,
Commenced Business in the United States, Jan. 20, \^~'.\.
Attorney in Connecticut, Gno. 15. Fishkb, Hartford,
II. ASSET&
ks and Bondt owned by tfn Company,
Par Value. Market Value.
9
,8 20 1,0 "i I 211,000 00
1881, 100.000 00 106,875 00
" 25,000 00 26,718 7:.
85,1 00 26,718 77.
86,000 00 88,475 00
24,0 10 00 25,6
I <>«)
50,1 | 62,1
I ■• .: - - :.-ll. 625 00
Cash: principal office 18,741 <>4
:ri \) ink
1 ,2
Gross premiums In d lUeetfoa
• '7 J 7
Assets <>f t;. v at their actual v. tin .-i 20
376 SCOTTISH COMMERCIAL INSURANCE COMPANY.
III. LIABILITIES.
Losses adjusted and unpaid, 14,503 99
Losses reported and unadjusted, 6,750 00
Losses resisted, 15,000 00
Total, 30,323 99
Deduct re-insurance, 1,110 09
Net amount of unpaid losses, 35,213 90
Unearned premiums on fire risks, one year or Jess,... 207,263 71
Unearned premiums on risks more than one year, 100,860 48
Amount of unearned premiums as computed above, 308,124 19
Due and accrued for salaries, rents &c, 7,506 00
All other demands against the Company, 17,733 35
Total liabilities, 368,577 44
Surplus of assets in the United States over liabilities, £24,646 76
Total liabilities including surplus, $693,224 20
IV. INCOME DURING THE YEAR.
Premiums received in cash 568,323 07
Deduct re-insurance, rebate, abatements and return
premiums, 59,359 10
Actual cash premiums 508,963 97
From interest on loans and dividends on stocks and bonds, 30,410 18
From all other sources, 3,690 00
Actual cashmcome. $543,064 15
V. EXPENDITURES DURING THE YEAR.
Amount paid for losses, (including $>!o,265.49 occur-
ring previous years.) 289,610 59
Deduct re-insurance, 8,879 87
Net amount, paid for losses, 280.730 72
Commissions or brokerage, 89,832 89
Salaries and fees, 30,220 82
Taxes, 10.644 17
All other expenses, 36,612 32
Actual cash expenditures, $454,070 92
• VI. MISCELLANEOUS.
Premiums.
Risks in force having not more than one year to
run from date of policy 45,676 000 00 431,241 88
wkstkkn ASSURANCE COMPANY,
Having mora thai one and m>t mora than three
re to ran from date of poUoj 11,068,072 00 89,768 17
Baying mora than thi to ran from date of
8,861,470 <>i> 42,180 90
60,600,542 00 666,140 9r>
[red in the United Btatee 1,655.022 o'J
Losses paid in the United States (;:»;»,•
Buttne$$ in (Connecticut in 1877.
Fire risks taken, (no inland,) 1,218,962 00
Premiums received on same 11,046 82
paid, 17,(180 79
WESTERN ASSURANCE COMPANY,
Tobonto, Canada.
Commenced Business, August, 1861,
CAPITAL.
Paid up capital, , |4 12,000 00
ASSETS.
Loans <»n liond and mortgage, 48,686 '-".'
28,488 02
bonds .^77.."f.4 82
ad bank r92 08
161,952 19
To4 *],i^,:.77 ;;:>
LIABILITIES,
msa 372 n
j.reiiiiums "i<; .;<;
I.er liabilities 64,406 .".1
d liabilities M
412,000 00
-''J. 1
leloding eapital and mrp]
378 WESTERN ASSURANCE COMPANY,
INCOME.
Cash premiums, received, ". 775,978 42
From [interest on bonds and mortgages, and interest on loans
and dividends on stocks and bonds, and from all other sources, 54,882 93
Total income, $830,861 35
EXPENDITURES.
Paid for losses, 515,518 58
Cash dividends , 62,115 20
Commissions and brokerage, 118,508 01
Salaries, fees, taxes, &c, 30,506 99
All other expenditures, 59,670 46
Total expenditures, , .' $786,319 27
Premiums.
Net amount of risks in force, 54,792,106 00 751,843 44
UNITED STATES BRANCH WESTERN ASSURANCE.
Toronto, Canada.
General Agent, Geo. O. Carpenter, Boston.
Attorney in Connecticut, S. Chapman. Jr., Hartford.
II. ASSETS.
Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
United States Bonds, 356,000 00 374,920 00
Georgia State Bonds, 25,000 00 25,000 00
Bank Stocks : —
Canadian Bank of Commerce, 63,705 50 73,26133
Consolidated Bank of Canada, 25,750 00 20,600 00
Ontario " " 10,300 00 10,091 00
MlSCELL \NE0US :
Cash deposit in Mississippi, 15,000 00 15.000 00
Total, $495,755 50 $518,875 33 518,875 33
Cash deposited in Bank, 22,807 89
Interest due and accrued on stocks, 1,575 00
MI'ANV.
ramiams in da m 324 70
38 10
Assets of the
III. I.I U5I1.1 i U.S.
1 V"
preminma on tin- rial
inmfl on ri-^ks more than one year 80,879 li'
pired inland navigation risks, 1,629 62
-ant of nv. - oompnted above
i :al liabilities 248,804 66
plus of assets in the Unit* iter liabilities 860,866 17
Total liabilities, including surplus §608,671 "2
IV. INCOME DURING THE YEAK.
Fir<\ Inland,
ninis received in cash 498,764 22 48,261 21
Deduct re insurance, reba*
and return premiums 60,761 48 10,18(5 9:i
I temimns 488,002 74 :•,;:. o:i 28 471,077 02
Bills and notes for premiums remaining unpaid.... - .7.)
Fr->m inte r est on loans and dividends on stocks and bonds L'*;.!»t;i :;;
ual cash income, $498,041 39
V. EXPENDITURES DURING the year.
Fire. Inland-
Amount paid for -In-
curring in previous year-... 24A,910 85 50,379
Deduct ^salvages and re-insnranoe 21,269 09 6,918 20
• amount paid for losses 227,641 86 4.';.4»;<; 72 271,108 58
Commissions or brokerage 94,456 22
12,812 45
All other payments and ev
:ual cash expenditures $416,01
VI. MISCELL
I'nTiiiumii.
::i force having not more than
ran from dste of policy.
• ■ than three
years to run from 0, 120 00
| 00 1,54
117 00
Inland. LSBM.
380 WESTERN ASSURANCE COMPANY.
Business in Connecticut in 1877.
Fire risks taken, 125,950 00
Premiums received on same, 1,585 95
Losses paid, 395 33
DIRECTORY LIST
382
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KKJ'OH
rj.
l:i 8LN K88 OF rHB I l LB I
I table exhibits the business of the Connecticut Com
jmnics for the 3 1 ar l B .
1877.
1876.
18/
lium
Paid tor
P.c.of
P.cof
1. tor.
1. tur.
1. tor.
22
p. c.
56.12
24 p. c.
1
19. in
!:•
:,i
1:, •■
Fairfd
: 14.42
10
••
77.2B
In
1:, »•
20 62.58
••
49.61
20
52
20 "
L2
..
1 L'
56
14 •■
Nflt'l..
16
..
60
1- '•
N
6.052.46 71.20
Hi
14.68
10 *•
58
10 "
n:.'
7 7
113 "
:,\
12 "
Peopls
10
••
•
100
4 »
:
1,335
GO •_'(>
(i
4 7. 4 "J
22 1-6"
60
274 -
s. <•-.•■.
206,6*
10
"
01.04
11
60
11 "
[nium receipts m 1877 of 04.29, and
81.42 per cent., against receipts in i
;• 55.57 per cent. In
eipts wer and tosses |5, .'03,416.25. or
nt
nil: MUTUAL COM PA NIBS OP TUB BTATB.
The nineteen Mutual Companies of the State report tlieir condition
and business the past year a-> follows : —
Conn.,W. Meriden.
I
F mnan, Suffield...
Fkimingfeon Valley.
Green ••■
Hartford County. ..
Harwi:
■
Litchfield
'
I
X. Lon
Norwich,
Rockville,
34
Tollaii :
■
110,119.25
13.:
190,<
5,4
ll._
1.7
119,45
-.77ii.ni;
105,024.00
156.50
11,6
21,1
9.45
3,112,8
89,825.00
2,178,
840, I
. I 16.00
7,650.00
415, I
,846.1
17-'.'
744.00
4,1 15,507.00
,094.00
Cashrec.'TT i
100.07
17,480.41
1,849.08
71
50.00
1,950.00
890.15
52,211.28
- 7
671.78
14.66
169.68
1.24
81,671.19
16.00
1,954
154.81
,g'Jlfi.733. ' 139,462.78
Ibury
■ the published statements.
426
REPORT OF THE INSURANCE COMMISSIONER.
The assets of the Bristol Mutual were reported to be, cash,
$112.74, promissory note, &1 50, and premium notes, $1,706 ; total
assets, $1,968.74. With this amount of assets the Company was car-
rying one risk of $3,000, four of $2,000 each, one of $1,800, four of
$1,500 each, one of $1,400, one of $1,200, one of $1,000, two of $800
each, one of $700, one of $500, and one of $250, making $25,450 in
all.
The Farmers of Woodbury reported no cash, and but $155.75 in
premium notes. Yet on this basis the Company was carrying four
risks of $1,000 each, one of $800, one of $600, one of $500, three of
$300 each, one of $400, one of $250, One of $150, and one of $50, or
$7,650.
Special attention was called to the condition of one of these Com-
panies in my last annual report, but no action was taken upon it-
Both of them may be doing business according to the letter of their
charters, but a company which has not at least assets enough to pay
the amount it has in its largest single risk, ought to be closed up with-
out delav.
RECEIPTS AND EXPENDITURES OF THE COMMISSIONER'S OFFICE.
By changing the close of the fiscal year from March to November,
a full settlement is now made with every company, and the exa«t an.
nual expenditures and earnings of this office are determined..
Close of the fiscal year.
Receipts.
Expenses.
14,140 73
17,641 53
18,697 01
17.478 85
15,986 93
11,996 96
16,464 40
Surplus.
March 31, 1872, 1 year,
18,016 87
26,231 61
28,159 23
19,722 09
17,354 10
9,724 53
14,211 74
3.876 14
" " 1873, "
8.590 08
" " 1874, "
9,362 32
" " 1875, "
2,243 24
11 " 1876, "
1,376 17
Nov. 30, 1876, 8 months,
" 1877, 1 year,
$133,420 47
$112,406 41
$21,014 06
The taxes on premium receipts, collected through this office, have
been as follows : —
1871, $13,425 08
1872, 21,254 21
1873, 22,489 22
1874, 23,214 10
1875—15 months, 29,092 ,73
1876—12 months, 18,829 11
1877—12 months, 17,345 26
Total, $145,649 71
BKPORT OF 111K IN8URANCK COMMISSIONER. I '27
L8TN Al. I'Al.l
Tabli l shows the capital, assets, liabilities and Burplus of :i!l the
companies doing business in this Btate. Theeleven Connecticut com
pani< |17,049, •: assets, (of which the Hartford com
panies ha\ <■ $15,745,8 \ 1.31, and all the other companies of the State,
|l,a .ihl Burplus on policyholders 1 account, of $12,003-,
The ninety-eight companies <>i other States and countries
doing business in the Stair, ha\ e assets amounting to $90,386, 120.18,
and a surplus as regards policyholders oi 3.80.
-hows how tin' companies have their assets invested. The
Connecticut companies have in real estate and loans on bond and
mortgage, $2,857,009.11, and in property immediately available,
$14,192,860 95. All the other companies doing business in tin-
State have in real estate and bond and mortgage loans, #25,086,320-
snd in available property, 22. A marked increase is
noticeable in investments in United States securities. The Connecti-
cut companies Bhow an increase in these securities for the past year
of $509,470.25.
- 8 gives the items composing the liabilities of the compa-
nies exclusive of their liability on their capital stock. Of the entire
liabilities of the Connecticut companies, all but $700,042.18 is in the
form of unearned premiums, reserved to apply upon expected loss
erience has shown that a reserve of one half of the annual pre-
mium receipts from fire risks is an ample protection for the policy-
holders; The unearned premium reserve of the Connecticut compa-
nies at the begining of 1877 was $4,401,929.20. The actual amount
paid for h.sv C v during the year was $4,539,894.13.
Tabl the sources <<f the income of the companies. From
ipts the Connecticut companies received $7,392,004.29,
and from all other . $888,700.1 2.
ufication of the items composing the expenditures
of the compai
t 6 is a summary of the two preceding tables, showing the
ratios of expenditures to income classified. Of the 90.94 per cent of
t.» income, 50.99 is paid in losses, 16.18 in commissions to
1 the balance mainly in dividends, salaries and l
ks in force in all the companies, the premi-
um r md the losses, with tb< e premium rat
and ' premium The Connection! com.
►ther c >mpani< -. and
r than t! •
428
REPORT OF THE INSURANCE COMMISSIONER.
The [business transacted in this State during the past year, de-
tailed in Table 8, may be classified as follows : —
Kisks Written.
Stock Co's of Connecticut
" " other States
Mut. "
Foreign"
Totals, ,
51,640.649
00
59,286,032
00
2,376,845
00
17,067,569
00
$130,371,095 00
Prems. reed.
516,336 06
645,000 55
22,860 79
211,311 59
$1,395,508 99
Losses [incur' d
Pei-. ct. of
Losses to
Premiums.
274,182 60
443,930 04
14,566 04
119,008 95
$851,688 20
53.10
68.83
63 72
56.32
61.03
111 1875 the risks written were $142 3 327,388.00, the premiums re-
ceived, #1,779,1 39.00, the losses, $1,147,237.85, or 64.48 per cent;
in 1876 the risks written were $135,404,485.00, the premiums re-
ceived, $1,583,441.04, the losses paid, $629,303 63, or 39.74 per
cent. An immense volume of insurance is done in this State by the
mutual companies of Boston and Providence which does not appear
in this table.
On page 424 is a summary comparison of the fire business in this
State for the past five years, and of the business of the companies do-
ing business in this State for the same length of time.
Table 9 is a comparison of the business of all the companies
transacting business in this State for the past three years. There is
not that decline in the volume of insurance, nor in the rates upon
which it is done, that is observable in other branches of business.
NEW LEGISLATION.
At the session of the General Assembly in 1877, a committee was
appointed to revise and codify the insurance laws of the State, with
directions to report to the session in January, 1878. The committee
performed their work and reported as directed, but the committee of
the General Assembly, to whom the report was referred, were so
crowded with other and more important duties, that they found it
impossible to give the subject their attention before the adjournment
of the session. The matter was therefore referred to the session of
the General Assembly in 1879.
Two sections were, however, taken from the report and passed as
separate Acts. One in relation to the suppression of advertisements
giving false statements in regard to the assets of companies, and the
other in relation to the time of reporting business for the purpose of
taxation. These Acts will be found in their proper places in ttV
Appendix.
Respectfully submitted.
JOHN W. STEDMAN,
Insurance Commissioner.
Hartford, April 5, 1878.
i'i>. i\n\
' ■/#/■ Receipts and Expenditures of the Insurance
ir ending November 30th, I
• ii-i •-.
For Filing Charters $196 00
I ei tificau -
baling Statements, 1,886 80
Lie na - l,10<
' Certificates 1,282 78
Valuatii n of-Life Policies, 8,90<
Reports Bold 6 00
$14,211 74
KXPEND1 11 IRES.
For Valuation of Life Policies $5,9J
Salary of Commissioner 3,354 19
< >ther Salaries :;,740 00
Rent ai!<l Office Ex| 1,450 4 \
Traveling Expenses, 407 10
Printing and Binding, '.'-'
Postage, Express, and Telegraph, 525 o;»
itionery, 71 62
Library,
$16,464 10
Leg Bes in case of Charter <>uk Life Insur-
I npany 1,366 06
Wi bave compared the above statement of the Insurance Com-
. with the vouchers, for the year ending Nov. 30, 1877, and
find ill-- same
JAS. BOLTER, I , .
JOHN W MANSFIELD, | ''
St t ex t v.' of tf o n n o e t i c ii t .
TI II BTEENT] I
ANNUAL REPORT
INSURANCE COMMISSIONER
TO THE
nural Asstmblg of i\t §tztt f
JANUARY SESSION, A. D. 1878.
PART SECOND.
LIFE AND ACCIDENT COMPANIES,
I X I ) K X .
17?
Business in Connecticut 181
. Life 185
Companies admitted ~>
Companies withdrawn 5
Comparative BosineSi in l>7t', and
1877 181
Death Claims 182
Directory, 168
Income and Expenditures 180
Introduction 5
Laws of the State, Appendix,
Liabilities, 180
Life Insurance Business ] ^.;
Outstanding Insurance 181
Policies, number and value of. I v l'
Policy Contract
Premium Notes 182
Statistical Tables, 168- 178, 179
Summary Comparison 1 B I
Termination of Policies,.. 181
Statistical Tables.
Table 1. Classification of Assets, 16S
•_'. P< reentage of various Assets, T"> I
3. Classification of Liabilities, 1 < i 5
4. : ion of Income I^i
6. el isaineation of Expenditures, 167
6. Gross Assets. Liabilities, Income, and Expenditures, 168
7. Premiums received, Losses and Commissions paid, 169
8. Connecticut Business, 170
Business of is 77 171
10. Summary of outstanding insurance, 17'J
1 1. Policies terminated, 173
1 _'. Percentage of modes of termination, 17+
18. Claims 175
It. Premium Note Exhibt 176
15. Synopsis of valuations 177
16. Average amount and value, 178
Detailed Statements— Connecticut Llfk Oompaj
9 Hartford life and Annuity 38
tenera] 18, Phoenix Mutual 44
Connecticut Mutual -\ TraTelersf.
inenta] 80 <i- '51
Trav.l.rs
50
61 Mutual 118
7:; Ifntna] Benefit,
Horn 78 H
Homoeop v
John
I itual
Massachusetts Mututl. 101 tfnib
l -
S> t a t f <S n n C t i c U i
THIRTEENTH ANNUAL REPORT
Of Tin;
INSURANCE COMMISSIONER.
PART SECOND.
LIFE AND ACCIDENT COMPANIES.
To Hu General Assembly of the State of Connecticut :
The undersigned has the honor to submit Part Second of the Thir-
teenth Annual Report of this Department, containing a detailed
statement ot the business and condition, at the close of last year, of all
the Life and Accident Insurance Companies now doing business in
the State of Connecticut.
Only one Company, the Vermont Life Insurance Company, of Bur.
Lington, Vermont, was admitted during last year, (April 3d) and that
withdrew at the close of the year.
The Globe Mutual, of New Fork City, failed to forward its annual
rt in time for publication, and is, in consequence, dropped from
the list of Companies authorised to do business in th<- State.
The (eight Life Insurance Companies of Connecticut, six-
( of other States, and two Accident Companies of
( rein given, with capital and ai Hows: —
:tul.
|1, 100,1 974,847 •">»
at other Si L«435,< 267,788,704 16
Connecticut Ac 1..",
•
6 REPORT OF THE INSURANCE COMMISSIONER.
From this account the Charter- Oak Life Insurance Company is
omitted. At the time this report was made up that Company was in
progress of re-organization as a purely Mutual Company. Its condi-
tion will be reported out of its regular order.
The following are the statements of the Companies in detail.
CONNECTICUT
LIFE INSURANCE COMPANIES.
ABSTRACTS COMPILED FROM THEIR ANNUAL STATE-
MENTS, SHOWING THEIR CONDITION ON THE
31st DAY OF DECEMBER, 1877.
ANNUAL STATEMENTS.
.KTXA LIFE INSURANCE COMPANY,
Hartford, Conn.
Commenced Business, 1850.
T. O. Enders, Pretidtnt. J. L. English, Secretary.
I. CAPITAL.
Capital stock paid up in cash, $160,000 <">
Amount of net or nets Dec. 81, 1876 $22,183,411 11
II. INCOME DUKING THE VKAK.
.• pxemiami without
duct other
rises 2,1."
Premium notes, loans or liens taken
in i premium! :>\ 1,732 48
poli-
780,180 <>:,
Total
Deduct am > other Co-
1 i v i -
dends thereo: 11,919 81
T<Aix\ pcemfam income .'.,213,871 32
2
10 iETNA LIFE INSURANCE COMPANY.
Received for interest upon mortgage loans, 827,789 56
Received for interest on bonds owned and divi-
dendson stocks, 473,835 74
Received for interest on premium notes, loans or
liens, 164,619 18
Received for interest on other debts due the Com-
pany, 43,522 79
Received as discount on claims paid in advance,.... 3,621 61
Received for profits on bonds, stocks, or gold actu-
ally sold, 815 45
Total income, 4,728,075 65
Total, $26,911,486 79
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 1,049,809 36
Premium notes, loans or liens used
in payment of same, 71,274 60
Paid for matured endowments and
additions, 535,202 84
Premium notes, loans or liens used
in payment of same, 91,466 89
Total losses, 1,747,753 69
Deduct amount received ^frorn other
Companies for losses or claims on
policies of this Company re-insured 8,196 00
Total amount actually paid for
losses and matured endowments, 1,739,557 69
Paid for surrendered policies, 18,040 51
Premium notes, loans or liens used in purchase of
surrendered policies, and voided by lapse, 340,237 08
Cash surrender values, including reconverted addi-
tions, applied in payment of premiums, 760,160 05
Cash dividends paid to policyholders and applied
in payment of premiums, 288,151 88
Premium notes, loans or liens used in payment of
dividends to policyholders, 272,743J,18
Total paid policyholders, $3,418,890.39
Paid stockholders for interest or dividends, 45,000 00
Paid for commissions to agents, 229,340 52
Paid for salaries and traveling expenses of man-
agers of agencies, and general, special and local
agents, 8,601 76
Paid for medioal examiners' fees, 13,886 03
Paid for salaries and other compensation of officers
and other office employes, 56,817 84
Paid for U. S. taxes and revenue stamps, $331.29 ;
State and local taxes, $92,061,17 ; taxes, licenses,
fines and fees in other States, $51,605.85, 143,998 31
\A LIFE [N8UKAN0E COMPANY. 11
Paid for rani B,«9fi
Paid for furniture an.l Axiom tor home
and agency offices 19 20
Paid for advertising i.' 81 67
Paid for the following items : Postage $1 1,919. 1 1.
ran $1,294.88, telegraph §888.89, Legal §9,-
printing §8^ tationery §2,826.02,
supplies - luation §8,686.18,
profit indloae - 48,807 89
Hotel diabnrsementa 8,98 1,085 4:;
§22,927,481 88
IV. ASSETS,
fcfl KB i.r>,i 1; ac or'NT8.
• unencumbered, as per Schedule A, 2(13,771 88
ion bond and mortgage Aral liens) l<>,7<)9,966 92
Loans aeonred by pledge of bonds, stocks, or other
marketable oollaterals, us per Schedule C, 241,962 06
rt payment of premiums,. 26,680 43
Premium notes, loans or liens on policies in force, 3,291,433 54
.due of stocks -and bonds owned absolutely as
par Schedule E 7,847,098*41
Cash in Company's office, 10,395 83
Cash deposited in banks 978,416 32
Bills receivable 55,987 <>l
Agents' ledger balances, 39,398 70
Less due to agents and others, 37,500 34 1,838 36
Total net or ledger assets, $22,927,451 36
oth:
-t due and accrued on bond and mortgage loans, 660,061 48
Interest accrued on bonds and stocks 117,201 77
St value of bonds and stocks over cost, as per Schedule E,.. 157,354 49
Due from other Companies for leasee or claims on policies of this
mpany re-i 15,000 00
.mums due and unreported on policies in
force D. " 139,470 98
premiums on policies in forco Dec. 31/77, 124,685 82
Total 264,106 80
Deduct the loading on above gross amount. (2,821 82
I amount of uncollected and deferred premium-, 211,285
4 38
ITEMS NOT AI>MII III'.
Agents' balances
Bills . 1 81
Total, 57,1
■ items DO< |24,( ,'»78 41
12 iETNA LIFE INSURANCE COMPANY.
V. LIABILITIES.
Net present value of all the outstanding policies
in force Dec. 31, 1877, computed according to
the Actuaries' or Combined Experience Table
of Mortality, with four per cent, interest, 20,682,595 00
Deduct net value of risks of this Company re-in-
sured in other solvent Companies, 105,074 00
Net re-insurance reserve, 20,576,621 00
Claims for death losses due and unpaid, 36,450 00
Claims for matured endowments due and unpaid, 6,007 00
Claims for death losses and matured endowments in process of
adjustment, or adjusted and not due, 332,464 00
Claims for death losses and other policy claims resisted by the
Company, 42,537 00
Unpaid dividends of surplus or other profits due policyholders... 96,614 52
Bills unpaid, 2,125 10
Other liabilities 7,668 66
Special reserve to cover possible depreciation in real estate, 50,000 00
Liabilities on policyholders' account 21,150,487 28
Gross surplus on policyholders' account, 2,880,091 13
Total liabilities, $24,030,578 41
Statement upon a reserve established by Hie General Assembly of Connecticut,
January Session, 1877.
Assets, 24,030,578 41
Liabilities — Net present value of all outstanding
policies in force Dec. 31, 1877, computed accord-
ing to the American Experience Table of Mor-
tality, with four and a half per cent, interest,... 19,210,023 00
All other liabilities, ; 573,866 28 19,783,889 28
Surplus on policyholders' account, $4,246,689 13
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 31, '76, 3,764,626 02
Received during the year, 311,722 48
Total, 4,076,348 50
Deductions during the year as folloics :
Notes, loans, or liens used in payment of losses and
claims, , 162,741 49
Notes, loans or liens used in purchase of surrendered
policies, and voided by lapse, 340,237 08
Notes, loans or liens used in payment of dividends
to policyholders 272,743 18
Notes, loans or liens redeemed by maker in cash,.... 9,193 21
Total reduction of premium note account, 784,914 96
Balance note assets at end of the year, $3,291,433 54
\a LIFE INSURANCE COMPANY. 13
vii. i:\mr.i r i^r PQLIOIES.
- U & <•/' tht /'/■' viout i.
Number. Amount
Whole Ufepoliciei 85,860 59,982,181 50
Endowment policies 18,560 20,778,070 :><>
All other policus 2,577 B 00
B7,J
\ - PoUoUe i.**"<d during the year.
Number. Amount
Whole life policies 8,282 1,802,640 00
Endowment policies 1,288 1,118,782 no
AH other policies l, <>•"'<> 2,417,916 00
Old PcHdet revived and inereated during tin \year.
Number. 'int.
Whole life policies 22 131,496 <><>
Endowment policies, 10 51,68
All other policies, i:; 60,700 00
Total number and amount, <'.'_', 667 ,468,728 (W)
Deduct policies ceased to be in force, 6, 12,744,649 00
Total policies in force at the end of the year, . ...r)."i,G'J8 719,074 00
A r and amount of PoUciee rrhich have coated to bi in for a during %
Number. Amount.
By death 655 1,179,609 00
By expiry,. :. 00 00
By surrender 2,482 4,745,684 <i"
By lapse 2,679 4,940,024 8G
turity 492 ,409 II
..• •:: 646 1,245,422 00
Total terminated c.sr,'.) 1 12, 644, 64
VIII. BUSINESS IN CONNECTICUT IN 1877.
Nun int.
TolicieH in force in Connecticut, Dec. 81, 1877 8,697
Policies issued during the year, 822 460,418 00
J .; 1,991,797 00
Deduct number and amount ceased to be in force,
Total nu i. mount in force Dec. 81, . ;J.77I 00
A int. of lot 01 and chums on polit IM unpaid Deo. 81/77, 21
Ami of losses and claims incurred dming
IT.
14 JBTNA LIFE INSURANCE COMPANY.
Schedule A — Real Estate owned by the Company.
Real estate in Hartford, - ., 15,479 09
" Ontario, Canada, 800 00
" Illinois 227,492 79
" Indiana 20,000 00
Total, $263,771 88
§c!aedule C — Loans on Collateral.
Par Value. Market Value. Am t Loaned.
Willim antic Linen Co., 2,500 00 7,100 00-.
United States Trust Co., 1,300 00 1,196 00 1
Hartford City Coal & Salt Co. , 2, 500 00 2, 500 00 I
United States Trust Co., 12.500 00 11,500 00 j" 46,300 00
^tna Fire Insurance Co., 8,000 00 16,800 00
Williman Linen Co., 7,500 00 21,300 00 I
United States Trust Co., 15,000 00 13,800 00"^
^tna Fire Insurance Co., 4,000 00 8,400 00 '
Hartford Carpet Co., 5,000 00 11.250 00 I 54 > 2G7 31
Willimantic Linen Co., 10,000 00 28,400 00 j
Keithsburgh Township bonds, 1,500 00 1,500 00)
Mt. Pulaski Township bonds, 1,000 00 1,000 00 > 2,680 00
Town of Dayton bonds, 1,000 00 1,000 00 )
United States Trust Co., 5,000 00 4,600 00 4,000 00
Union Salt Co., 42,500 00 42,500 00 25,000 00
Wheeler & Wilson Manufacturing Co.,... 13,000 00 39,000 00]
56,068 75
^tna Fire Insurance Co., 16,800 00 35,280 00>
Willimantic Linen Co., 10,625 00 30.175 00 13,300 00
Williman tic Linen Co., 8,750 00 24,850 00 16,500 00
American Screw .Co., 800 00 1,600 00)
Agawam Canal Co., 1,200 00 600 00- 1,130 00
Travelers Insurance Co. , 800 00 1,280 00>
Assignment of mortgage, 4,000 00 4,000 00 3,500 00
Assignment of mortgage, 1,000 00 1,000 00 384 00
iEtna Fire Insurance Co., 4,400^.00 9,240 00 3,500 00
Phenix Fire Insurance Co., 1,000 00 1,800 00 736 00
Hartford Carpet Co., 2,500 00 5,625 00 3,800 00
^tna Fire Insurance Co., 2,500 00 5,250 00 4,096 00
Hartford Carpet Co., 3,000 00 6,750 00 4,000 00
Hartford Carpet Co., 1,600 00 3,600 00 2,700 00
Total, $191,275 00 $342,896 00 $241,962 06
ScBiedsile E — Stoctcs and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
United States Gov. bonds, registered, 140,000 00 145,600 00
" " 1867, ieo.000 00 104,000 00
coupon, 1865, 82,250 00 86,362 50
6's, 1881, 10,000 00 10,900 00
\A LIFE tNSURANCK COMPANY. 15
Par \ alnr. Mink.'! \'ali:«'_
Distriot of Oolambim bonds, 800,000 00 228,000 00
Booth Carolina 60,0 00 17,600 00
Virginia 87,986 00 11,8
'IV:.' :'i I2,fl
Miaaiaaippi, Warrants 10,000 00 r86 06
Kani 100,000 00 100,000 00
MrNU'.ru B >NDfl
Oity of Terre Hants 67,000 00 87,000 00
•• Richmond 26,000 00 26,000 <k>
•• Richmond, * 80,000 00 80,000 00
•• Mobile 160,000 00 L 20,000 00
•■ Hartford, 10-SOs 21,000 00 22,680 00
Non-Taxable 69,000 00 79,860 00
11,000 00 12,660 00
Capitol 88,000 00 108,600 00
Funded 222,000 00 287,640 00
" Oleyeland 231,000 00 242,660 00
" Louisville, 100,000 00 104,000 00
•■ Kansas 100,000 99,000 00
'• New Britain,. 180,000 00 186,600 00
11 Chicago, Water Loan, 60,000 00 63,600 00
•' Springfield, 111 7,000 00 7,49 1
11 8 per cent 44,000 00 44,880 00
•• Watei 40,000 00 12,800 00
11 Elizabeth, Funded, 186,000 00 180,660 00
" t Imp't 29,000 00 27,840 00
11 Grand Rapids 89,000 00 39,000 00
•• Hartford 19,000 00 19,000 00
" Peoria. 106,000 00 107,060 00
" Ottawa 10,000 00 10,000 00
11 Beardstown, 6,000 00 8,600 00
Peoria 16,000 00 16,1<
'• Near Boston, 18,000 00 9,760 00
" Cleyeland 62,000 00 64,600 00
'• Jersey City 180,000 00 141,700 00
'• Newark, 174,000 CO 189,660 00
•• Buffalo, Water 100,000 00 108,000 00
•• Dee Moines 40,000 00 41,200 00
•• Porl Wayne 61,000 00
lis 600,000 00 498,700 <">
•• <<'.::.; 60,000 00 87,664 00
Milwaukee, Water 100,000 00 107,000 00
-• Oineinnata l
Fork, Coi 100,000 00 1 13,01
u . B
•■ I 76,600 00 <;i.-
91 !' . il 60,000
County of Edgar,
V. :: ■
o, :
I
16
.ETNA LIFE INSURANCE COMPANY.
County of Macon,
Ford,
Adams,
Christian,..
Cook,
Sangamon, ,
Green,
Kankakee, ....
Macoupin,
Sangamon, ...
White,
Gallatin,
Moultrie,
Randolph,
DeWitt,
Wabash,
Hudson,
Hartford,
Iroquois,
Ramsey,
Marion,
Town of Paris,
Georgetown,
Newman,
Cainargo,*
Garrett, ,
Elwood, ,
Brooklyn,"
Mt. Pulaski, .....'
Grant,
Penn,
Moline,
Edgewood,
West Hartford,,
Rock Island,
Lennox,
Danbury,-
Astoria,
Woodland,
Browning,
Bushnell,
Virginia,
Ricks,
Mattoon,-
Winchester,
Middleport,
Belmont,
Galva,
Milford,
Par Value.
52,000 00
58,000 00
50,000 00
20,000 00
25,000 00
25,000 00
15,000 00
20,000 00
25,000 00
43,000 00
50,000 00
12,000 00
13,000 00
52,000 00
59.000 00
30,000 00
30,000 00
50,000 00
70,000 00
54,000 00
32,000 00
200,000 00
15,000 00
30,000 00
12,000 00
15,000 00
13,000 00
32,000 00
49,000 00
30,000 00
20,556 00
19,000 00
25,000 00
10,000 00
15,000 00
47,000 00
10,000 00
19,000 00
5.000 00
5,000 00
5,000 00
25,000 00
2,000 00
8,000 00
27,000 00
] 0,000 00
15,000 00
15,000 00
15,000 00
12,617 15
Market Value.
46,475 00
58,000 00
45,000 00
18,800 00
26,500 00
25,750 00
16,050 00
18,200 00
24,687 50
12,900 00
50,000 00
10,860 00
10,400 00
45,240 00
51,330 00
30,850 00
26,100 00
52,500 00
70,000 00
54,221 50
32,000 00
210,000 00
12,000 00
30,000 00
11,700 00
14,625 00
12,675 00
32,000 00
46,750 00
30,000 00
20,453 62
18,525 00
19,750 00
8,850 00
15,000 00
41,125 00
8,400 00
18,050 00
4,500 00
4,500 00
4,500 00
21,875 00
2,000 00
6,980 00
20,250 00
9,600 00
14,700 00
14.700 00
14,700 00
12,204 80
\a l.l IK INSURANCE COMPANY. 17
Markrt Value.
thabnrg 83,000 00 28,0
IV'A .:: 10,000 00
89,824 82 JOS 70
Aun.ra 12,000 00 L 1,860 00
8,000 00 2,8!
Baal \\ in laa 80,000 00 29,700 00
Brooklyn 1,000 00 1,000 00
Spragne 40, > 00 40,1
B.ui.i
86,800 00 45,264 I
irtfard 95,600 00 147,070 00
B :--
Indianapolis A- Cincinnati 50,000 00 H...00 00
imbosA Indianapolis 50,000 00 42,000 00
Cincinnati A Indian i 21,0(10 00 21,840 00
Cleveland, Paine. A Aahtabola, 26,000 I 26,520 00
rtonA Michigan 15,500 00 15,51
Little Miami 1,000 00 980 00
New York Central 4,000 00 4,160 00
Union Pacific 80,000 00 81,200 00
Harlem & Port Chester 100,000 00 112,000 00
\ a York Central A- Hodaon Kiwr. 100,000 00 118,000 00
Keokuk ft Dee ] Vallej 21,054 00 12,420 00
Indiana Centra] 9,000 00 9,000 00
Cleveland A Pittsburgh, 1,000 00 1,000 00
thern Minnesota 20,110 00 15,082 50
52,000 00 10,400 00
Bank Stocks : —
necticut River Banking Co., 11,760 00 8,980 00
•ropolitan. New York 10,000 <"> '• , .7"><> 00
PhcBuix National, Hartford, 91,800 00 187.7
Mercantile M " 40, 45,20
56,000 00 60,96
tford •' •• 75,000 00 116,21
78,900 00 67,249 <><>
:>nal Exchange M IT.*: 97,776 00
American National M - 101,8
efechaniee', Hartford 66,600 00 64,97
Soffield x 18,800 00 I.:."
Britain 21
Cbsrter < » d: • Hartford
■na •• 70,01 I 00
Hartford Troat i 20,000 00 18,44
00
kville Hatl kville,
Security 10,000 00 10 00
y.
irance Co
Atlantic
Total. >:
18 CHARTER OAK LIFE INSURANCE COMPANY.
CHARTER OAK LIFE INSURANCE CO.
On the 1st of January, there was an application pending before the Courts for
the appointment of a Receiver for tbis Company. No statement of its condition
at that time was required, but a statement as of a later date will be found in the
report at the close of this volume.
CONNECTICUT GENERAL LIFE INSURANCE COMPANY,
Hartford, Conn.
Commenced Business, October, 1S65.
Thomas W. Russell, President. Frederick V. Hudson, Secretary.
I. CAPITAL.
Capital stock paid up in cash, $250,000 00
Amount of net or ledger assets December 31, 187(5, $1,275,9C7 50
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses, 219,274 64
Premium notes, loans or liens taken
in part payment for premiums, 22,754 75
Total, 242,029 39
Deduct amount paid to other Compa-
nies for re-insurance on policies in
this .Company 3,227 82
Total premium income, 238,801 57
Keceived for interest upon mortgage loans, 42,119 29
Received for interest upon bonds owned and divi-
dends on stock, 18,149 34
TIOUT GENERAL LIFE [N8URAN0E 00, L9
red for interest on premium notes, loans, or
Hem 7,228 57
rarees 1,998 42
■ tl inoome daring Ins year 808,292 i!»
1 tal. $1,684,199 89
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses, T8,r»l»4 00
Paid for matured endowments, 17.i><>(> 00
Total amount actually paid for
s and matured endowments 95,694 00
Paid for surrendered policies, 79,668 66
Premium n 1 or liens used in purchase of
•■Rendered policies, and voided by lapse, 9,545 42
Advance premiums refunded 100 50
Cash dividends paid to policyholders and applied in
payment of premiums, 868 33
Premium notes, loans or liens used in payment of
dividends to policyholders, 1,078 21
Total paid policyholders $186,940 12
Paid for commissions to agents, 12,520 71
Pail for salaries and traveling expenses of man-
agers of agencies, and general, special and local
agents 12,390 35
Paid for medical examiners' fees 1,329 00
Paid for salaries and other compensation of officers
and other office employes, 12,906 75
Paid for taxes, revenue stamps, licenses, fines and
fees 8,164 41
Cash paid for legal expenses, 3, 256 9 1
Paid for printing, advertising, rent, and all other
incidental expenses, 7,715 59
Profit and loss charges, 3,557 r.j
Total disbursements 248.7S1 46
Total, $1,335,418 2::
IV. ASSETS,
AS PER LEDGER A<
Real estate unencumbered, an per Schedule A 244,496 71
Loans on bond and mortgage, (fir-.*. Hens)
Loans secured by pledge of bonds, stocks and other
marketable collaterals, as pu: 21,804 16
Premium notes, loans or liens ou policies in force, 186, 161
:id stocks owned absolutely, as
perSche 16
20 CONNECTICUT GENERAL LIFE INSURANCE CO.
Cash in Company's office,
Cash deposited in banks, .
Bills receivable,
Agents' ledger balances,..
Non-resident tax,
469
88
46,823
23
3, 701
94
904
66
618
30
Total net or ledger assets, $1,335,418 23
Deduct depreciation from cost of assets,
From cost of real estate, 44,996 71
From depreciation of security of mort-
gageloans, 2,762 48 47,759 19
Total net or ledger assets, less depreciation, $1,287,659 04
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, 18,678 70
Interest due and accrued on collateral loans, 273 60
Interest accrued on premium notes or liens, 4,142 99
Market value of bonds and stocks over cost, as per Schedule E., 3,561 34
Gross premiums due and unreported on policies in
force Dec. 31, 1877, 11,199 70
Gross def. prms. on policies in force Dec. 31, 1877, ir>,66G 91
Total, 26,866 61
Deduct the loading on above gross amount, 5,373 32
Net amount of uncollected and deferred premiums, 21,493 29
Total assets, $1,335,808 96
ITEMS NOT ADMITTED.
Agents' Balances, 904 66
Bills Receivable, 3,701 94
Total, 4,606 60
Total, (less items not admitted,) $1,331,202 36
V. LIABILITIES.
Net present value of all the outstanding policies in
force on the 31st day of Dec. 1877, computed ac-
cording to the Actuaries' or Combined Experi-
ence Table of Mortality, with four per cent, in-
terest, 1,012,554 00
Deduct net value of risks of this company re-in-
sured in other solvent companies, 4,109 00
Net re -insurance reserve, *....» 1,008,445 00
Claims for death losses in process of adjustment, or adjusted and
not due, 30,038 00
Claims for death losses, and other policy claims, resisted by the
company, » 13,000 00
nOUT QKNKRAL l.irK [NSURAK 21
Premiums paid in advance
All Otto! liabilities
l abilities on policyholders' account 1,064,784
-plus on policyholdera'aoooimi 266,467 68
Total liabilities $1,
i a rawrn established b$ the General Ae o e m b iy of Connectic ut ^
January 8eesion, 1877.
1,881,902 86
Liabilities \ nine of all outstanding
policies in force Dec. 81, l v 7''>, computed accor-
ding to the American Experience Table of Mor-
v. with four and a half per cent, interest.... 937,398 00
All other liabilities, n6,2S9 68 993,687 G8
Surplus on policyholders' account $:i:]7..v
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 31, '76, 141.866 71
Received during the year, 22,764 7.">
Total, 161.621 46
Deduction* during the year as follmrs :
Notes, loans or liens used in purchase of surrendered
policies, and voided by lapse, 9,646 42
Notes, loans or liens used in payment of dividends to
policyholders 1,078 21
Notes, loans or liens redeemed by maker in cash, 17, ."546 28
Total reduction of premium note account, 28,169 91
Balance note assets at end of the year, $186,451 55
VII. EXHIBIT OF POLICIES.
Potidet and Add rot at end ofpretioueyeaw.
Number. Amount.
Whole life policies 5,878,784 82
rnent policies 566 664,1
All other policies,
,688 $6.'
■<l during the ynr.
Number. mt
Whole Hfe pottefel y4« : , ( - ,„,
Endowmer/
Alio: - H u
22 CONNECTICUT GENERAL LIFE INSURANCE CO.
Old Policies revived during the year.
Number. Amount.
Whole life policies 9 11,500 00
Endowment policies, 1 200 00
Old Policies increased during the year.
Number. Amount.
All other policies, 1,000 00
Total number and amonnt, 4,403 7.617,402 90
Deduct policies ceased to be in force, 898 1,651,905 00
Total policies in force at the end of the year,.... 3,505 $5,965,497 90
Number and amount of policies which have ceased to be in force during the year
Number. Amount,
By death and endowment, 44 110,884 00
By expiry, 8 30,500 00
By surrender, 214 426,071 00
By lapse, 502 832,750 00
By change and decrease, , 54,600 00
Not taken 130 197,100 00
Total terminated, 898 $1,651,905 00
Policies Re-insured during the year..
Number. Amount.
Whole life policies, 80,485 00
All other policies, 29,500 00
Total re-insured, $109,985 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount.
Policies in force in Connecticut, Dec. 31st 1876 605 950,932 00
Policies issued during the year, 51 80,468 00
Total, 656 1,031,400 00
Deduct number and amount ceased to be in force, 95 168,613 00
Total number and amount in force Dec. 31, '77,. 561 $862,787 00
Number. Amount.
Amt. of losses and claims on policies unpaid Dec. 31, '76, 2 2,000 00
Losses and claims on policies incurred during year, 3 5,500 00
Total, 5 $7,500 00
Losses and claims on policies paid du.ing year, 4 6,500 00
Matured endowments, 4 3,900 00
Premiums collected, 21,498 91
0ONNICI1O1 RAL L1PE INSURANCE OO, 28
>«ii<<lnlo \ /.' owned fly the Company,
to in Illinois 58,810 00
Ohio 8,600 00
Michigan 12,000 00
District ol Columbia 197,800 00
Kansas 10,000 00
2,720 00
,•199,480 (in
8,600 00
8,160 00
§elir<lnle C—Loaiu <>n Collateral.
Par. Value. Market Value. Atnt Loaned,
Pratt A Whitney Co 6,800 00 8,780 00\
Igeoa farmland 1,500 00 1,600 <)())
United States Express Co .-..-ion on 2,692 00 2,<M
X. Y.. X. H. A Hartford K. & 6,000 00 9,240 00 4,590 00
Washburn Steel Tire Oo 7,000 00 8,500 001
Connecticut Fire Ins. Co 2,500 no 8.825 OOJ
Park National Bank. N. Y 11,000 00 8,150 00 9,064 15
Travelers Insurance Co .",.000 00 8,700 oo 6,500 00
Total |86,700 00 $85,287 00 $21,804 15
Schedule E— Stocks and Bonds owned hy the Company.
Par Value. Market Value.
0. 8. and State Sto< ks j —
U. G red, 80,000 00 B4,400 0C
.necticut State, 80,000 00 60 00
BOUM : —
Cook County 5,000 00
Chicago I • 2,000 00 8,000 00
ihiDgton City. End 10,000 00 10,000 <>i>
Quincy City 11,000 9,18
I'M 00 00 9,700 00
Indianapolis City 20,000 <>o 19,600 <><»
s : —
10,500 oo -: 50
Lak - A ithtrn 6,600 00 6,94
vidence <k Fibhkill. 5,00 6,4
BalUMMS Sttc kh ; —
12,500 00
Have St>,< k- : —
N .
1,661
Fourth
24 CONNECTICUT MUTUAL LIFE INSURANCE CO.
Par Value. Market Value.
American National Hartford, 10,800 00 13,608 00
Phoenix " " .. 10,400 00 15,600 00
Charter Oak " " 5,200 00 6,500 00
Hartford " " 7,000 00 10,570 00
First " " 10,000 00 9,250 00
.Etna " " 900 00 1,080 00
Farmers & Mech. " " 1,700 00 1,92100
Conn. Trust & Safe Deposit Co., Hartford, 8,600 00 7,310 00
Security Co., Hartford, 5,000 00 5,000 00
Thames National, Norwich, Ct., 10.000 00 13,900 00
Total cost value, $303,855 16 $280,400 00 $307,416 50
CONNECTICUT MUTUAL LIFE INSURANCE COMPANY,
Haetfobd, Conn.
Commenced Business, December 15, 1846.
Jacob L. Gbeene, President. John M. Taylor, Secretary.
Amount of net or ledger assets Dec. 31,1876, $44,020,146 47
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses 5,735,103 55
Premium notes, loans or liens taken
in part payment for premiums, 51,566 40
Premiums paid by surrendered poli-
cies, 708,249 04
Total premium income, 6,494,918 99
Received for interest upon mortgage loans, 1,862,724 92
Received for interest on bonds owned and divi-
dends on stocks, 326,480 00
Received for interest on premium notes, loans or
liens, 351,792 59
CONNECTICUT MUTUAL [ATE [N8UKANCK 00.
•. ed for in' >ther d >bts due the Com.
jmiiv I 1,670 71
89,829 27,
Ibrianoe of profit and loss account 22,864 88
Tbtalinoonie 9,192,281 84
Total *.-»:;. 21 2,1 27 si
III. DISBURSEMENTS DURING THE YEAH.
Paid foi bases and additions, 2,591,469 80
Premium notes, loans or liens used
in payment of same 48,888 2o
Paid for matured endowments and
additions 610,059 08
Premium notes, loans or lions used
inpayment of same 61,806 95
Total amount actually paid for
1 isses and matured endowments, 8,306,724 <><>
Paid for surrendered policies 158,780 •"><;
Premium notes, loans or liens used in purchase of
surrendered policies, and voided by lapse .'521.211 50
Oasb - . applied in paymeuf of pre-
miums 622,761 57
holders and applied
in payment of premiums 2,177,2:3!) 44
Premium notes, Loans or li in payment of
dividends 884,536 80
. paid policyholders §7,124,288 67
Paid for commissions 418,720 18
Paid f or Balaries and traYeling expenses <>f man-
id general, Bp -ei il and local
8,451 96
For medical ex- is, 18,492 00
tther c raj
employes 83,728 94
State and lo in State where or-
gani/.-l. - fines and
mother states. $188,787.10 859,864 49
29
Pai 1 f
. | I 7. t 7<i. -
age. • - ,ph-
in^. 107,816 72
8,14 '.:
26 CONNECTICUT MUTUAL LIFE INSURANCE CO.
IV. ASSETS,
AS PER LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A, 4,067.008 90
Loans on bond and mortgage (first liens), 28,335,744 97
Loans secured by pledge of bonds, stocks, or other
marketable collaterals, as per Schedule C, 130,730 28
Premium notes, loans or liens on policies in force, 5, GO"), 4 86 14
Cost value of stocks and bonds owned absolutely as
per Schedule E, 5,697,684 12
Cash in Company's office, 8,95(5 02
Cash deposited in banks, 1,181,720 60
Bills receivable, 4,372 21
Agents' ledger balances, 39.480 33
Total net or ledger assets, $45,072,083 57
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, 1,866,379 87
Interest due and accrued on bonds and stocks, 71,855 83
Interest due and accrued on premium notes, loans, or liens, 302,425 43
Rents due and accrued on Company's property or lease, 10,000 00
Market value of bonds and stocks over cost, as per Schedule E,.. 182,698 38
Gross def. premiums on policies in force Dec. 31, '77, 51,840 02
Deduct the loading on above gross amount, 17,280 00
Net amount of uncollected and deferred premiums 34,560 02
Total assats $47,540,003 10
ITEMS NOT ADMITTED.
Bills receivable, 4,372 21
Agents' balances, 39,480 33
Total, 43.852 54
Total assets, (less items not admitted), $47,496,150 rA)
V. LIABILITIES.
Claims for death losses and maturad endowments in
process of adjustment, or adjusted and not due,... 580.935 00
Claims for death losses and other policy claims in
process of investigation or resisted, 274,100 00
Total policy claims 855,035 00
Net present value of all the outstanding policies in force Dec.
31, 1877, computed according to the Actuaries' or Combined
Experience Table of Mortality, with four per cent. interest,....' 42,308,173 00
Unpaid dividends of surplus, or other description of profits due
policyholders, 291,041 95
Contingent reserve on lapsed policies 328,353 00
Total, 43,782,602 95
Surplus as regards policyholders, 3,7 1 8.547 61
Total liabilities, $47,496,150 56
i I MU ITAl, I.I IK LN8UKANCI G 1 7
17. J 16,160 M
LUbil N of nil outstanding
pol: >rd-
Pabl of M<>r-
ith four and a half percent interest,... 00
All other liabilities 1,474,429 '.•:> 10,740,610 ".'.".
plus on potteyholders' aooount, $6,756,689 <*>i
vi. riiKMir.M Non: account.
inm notes. loane or liens on hand Dee. 81, '76, 6,290,699 45
I daring the year 68,896 48
Ml 6,379,995 93
luring the pear at follow
.:is, or liens used in payment of losses and
claims 106,196 15
Note-, loans or liens .,.,cd in purchase of surrendered
policies, and voided by lapse 324,241 50
- or lit-ns need in payment of dividends
to pofieyholders 884.686 80
•mod by maker in cash 10,586 34
Total reduction of premium note account, 774. 509 79
Balance note assets at end of the year, - (86 14
VII. EXHIBIT OF POLICIES.
Policies i in force at the end of the pr&liout year.
Numh.T. Amount.
57,2»;7 169,780,769 00
nnenl potteiei B,440 18,794.184 <><>
Joint-lives and survivor-hips 1,816,465 00
Short term and irregular } _' 24.'
G<;,018 183,414,408 00
",. year.
NuiiiImt. Amount
Whole life poli fes 4,762 11,604,011
1,011,771 00
12 ;. 181 00
Old : '/ duriity the fi
Number. Amount
Whole life poU.. 711 2.400,721 t*.
28 CONNECTICUT MUTUAL LIFE INSURANCE CO.
Endowment policies, 138 340.206 00
Joint-lives and survivorships, 14 34.200 00
Total number and amount, 72.831 198,710.143 00
Deduct policies ceased to be in force, 6,579 20,435,508 00
Total policies in force at the end of the year, . ...66,252 178,280,635 00
Number and amount of Policies icMch have ceased to be in force during year.
Number. Amount.
Bydeath, 932 2,593,088 00
By maturity, 215 669,428 00
Byexpiry, 1 10.000 00
By surrender 2,397 7,854,762 00
By lapse, 2,411 7,079,180 00
By change and old policies deceased, 465,100 00
Not taken, 623 1,763,950 00
Total terminated, 6,579 $20,435,508 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount.
Policies issued during the year 67 180,900 00
Policies in force in Connecticut, Dec. 31, 1877 3,505 9,463,500 00
Amt. of losses and claims incurred during year, 70,530 00
Amt. of losses and claims on policies paid Dec. 31, '77, 50.063 00
Prems. on policies issued and paid for during year v ..». 282,339 58
Schedule A — Meal Estate owned by the Company.
Real Estate in Chicago, 1,775,949 00
" St. Louis, 790.012 16
" Hartford, 1,118,101 70
" Cincinnati, 5,000 00
" Kansas City, 70.695 36
" Indianapolis, 246,296 45
" Detroit, 61,854 23
Total, $4,067,908 90
Schedule C — Loans on Collateral.
Par value. Market value. Amt Loaned.
Uunited States bonds, 6's, of 1881, 500 00
St. Louis City bonds, !.... 2,000 00
Ohio Canal Stock, 5,000 00
Little Miami R. It. Stock, 2,500 00
Pettis County, Mo., bonds, 3,000 00
533 13"!
2,000 00
5,500 00
2,000 00 j
2,500 00
9,803 28
2,250 00
ROUT HUTUAL LIFE INSURANCE I
p ■ \ Markets line. Ami I
.:. l:.. bondf B,000 "«' L.500 2mj ln)
Connecticut Trust ind Baf« Deport Oo, 2,000 00 1,700
.20 bonds »,000 00 1,190 00 1,000 00
bd.on property in LooisTille, Ky. 5,f#00 00 10.000 00 8,000 00
irillo End. 2,000 00 1,000 00 1,600 1
... 10,000 00 21;800 00 10,0(
N. n. a HarU . ; K B stock,... 1,400 00 2,212 00 l,5<
Kerch. Nat Bk. Toledo, O. coll M. L. 25,000 00 17,500 00 20,0
firsts Bank, Indisnapolis 60,400 00 70,000 00 000 no
|fftg.bd.Wm.P.Goembe],Germ'toiraIlL 600 00 1,000 00 400 00
k St Louis 10,000 00 20.000 OOj
Prank G. Porter, StLonia 6,681 M 6,681 U- 18,777 00
Promii ►. L. Wright, M 12,246 86 12,246 86)
EockTilleB. K. bonds •- , •"^< ,, » 25,000 00 10,000 00
Total, $166,677 00 $207,212 18 $130,730 28
Schedule D — Stock* and Bondt owned by the Company.
Pai Value. .Market Value.
I". S. and St\tk Stocks: —
-1, registered, 1,100,000 00 1,172,875 00
currency, reg 500,000 00 695,000 00
A\ percent, reg 750,000 00 777,187 50
State of Connecticut, untaxable, 600,000 00 690,000 00
•' Tennessee. 26,000 00 8,710 00
11 Indiana, 100,000 00 108,600 00
MunI'TI-al Bonds : —
City of Toledo 60,000 61,200 00
" Furt Wayne, Indiana 100,000 <><> 7."..'
•■ Jackson, Michigan, 110,000 00 99,000 00
•• BTsnsrille, Water, 800,000 00 255,000 00
60,000 oo bio ,, ()
" Louisville. Ky., fewer 200,000 00 182,60
Change ol 100,000 00 92,600 00
•' Qniney, 111 250,000 00 187,500 00
Debt, Funding 24,000 00 21,2
" Milwaiik- 160,000.00 160,000 00
Water, 600,000 00 475,000 <«»
160,000 00
00 i:
•• kfobfle, Ala., 7
•• • B 1,000 00 - 10 00
I : —
tford 21,000 00
...
30 CONTINENTAL LIFE INSURANCE COMPANY.
Par Value. Market Value.
Bank Stocks : —
First National, Hartford, 13,000 00 11,000 00
City " 10,000 00 9,100 00
-Etna " 2,500 00 3.000 00
Phoenix " 1,500 00 2.250 00
Charter Oak " 1,000 00 1,270 00
State Bank " 1,000 00 1,150 00
Fourth National, New York, 10,000 00 15,680 00
Connecticut Trust and Safe Deposit Co,, Hart,,.. 30,000 00 25,500 00
Total, cost value, $5,697,684 12 $5,825,200 00 $5,880,382 50
CONTINENTAL LIFE INSURANCE COMPANY,
Hartford, Conn.
Commenced Business, July, 1864.
James S. Parsons, President. Robert E. Beecher, Secretary.
I. CAPITAL.
Capital stock paid up in cash, $300,000 00
Amount of net or ledger assets December 31, 1876, $3,124,916 40
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses, 338,600 62
Premium notes, loans or liens taken
in part payment for premiums, 46,321 65
Premiums paid by surrendered poli-
cies, 83,127 17
Total, 4GS,049 44
Deduct amount paid to other Compa-
nies for re-insurance on policies in
this Company 980 98
Total premium income, 467,068 46
\ r:\hM.\l. LIFE INSURANCE COMPANY. 81
Received for Interest npon mortgage loans, and in-
terest upon bonds owned and dividends on
ok 66,675 47
red for Interest on preu intn notes, loans, ox
Liens 52,640 26
red for other debts dne the Company, 2,78 1 :'.:;
red for rents for use of Company's property,. 1 1,888 29
i profits on bonds, Btoeks, or gold actu-
ally sold 1,060 00
i Inoome during the year. 801,915 B0
tsJ 18,726,882 20
III. DISBURSEMENTS DURING THE YEAR.
Paid for looses and additions 1 19, 28 1 68
Premium notes, loans, or liens. Deed
in payment of s line 18,911 17
Paid for matnred endowments and ad-
tions, 40,34") 83
Premium n< . or liens, need
in payment of same 6,168 4.">
Total losses 184,660 18
• amount reoeiTed from other
• - for losses or claims on
poli ies of this Company re-insured 6, 122 8G
il amount actually paid for
OS and matured endowments 178,237 27
Paid for surrendered policies 186,21 6 98
Prem; loans or liens need in purchase of
surrendered policies, and voided by lapse 11!.
I, including reconverted addi-
plied in payment of premiums
to i olieyholders and applied in
of j
Total paid policyholders |685,646 18
olden f< • .!i 1 dii idends
for commi
. 1 travelii. ■ - of in in -
: local
•ion of offl
'J 7, 1 7 I 18
I
19,
•
and agei. ,us exptimes, . 8,41
88,127
17
48,656
i 6
12,000
00
;.;
29,841
6,671
32 CONTINENTAL LIFE INSURANCE COMPANY.
Paid for advertising $2,990.17, exchange $185.85,
postage $3,777.71, 6,953 73
Paid for the following items : — Stationery and
printing $4,730.37, legal expenses $4,277.16,
charges $2,732.05, profit and loss f^>r agents' bal-
ances $23,734.67, profit and loss for 122 shares
capital stock Farmers and Mechanics Bank, re.
duced $16,043.00, loss on stock sold $376.96,... 51,894 21
Total disbursements, 799,872 79
Total, $2,926,959 41
IV. ASSETS,
AS PEK LEDGER ACCOUNTS.
Eeal estate unencumbered, as per Schedule A, 268,136 29
Loans on bond and mortgage, (first liens), 789,310 89
Loans secured by pledge of bonds, stocks and other
marketable collaterals, as per Schedule C, 99,080 00
Loans made in cash to policyholders on this Com-
pany's policies assigned as collateral 950 00
Premium notes, loans or liens on policies in force, 980,840 66
Cost value of bonds and stocks owned absolutely, as
per Schedule E, 431,298 90
Cash in Company's office, 27,915 16
Cash deposited in banks, 148,614 52
Bills receivable, 138,765 92
Agents' ledger balances, 24,776 83
Office furniture and fixtures, home office, 17.270 24
Total net or ledger assets, $,2,926,959 41
Deduct depreciation from cost of assets, 9,933 97
Total net or ledger assets, less depreciation, $2,917,025 44
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, 58,062 17
Less Forsyth loan, 23,287 00 34,775 17
Interest due and accrued on bonds and stocks, 12,172 48
Interest due and accrued on collateral loans, 7,009 95
Interest accrued on premium notes or liens, 112,713 92
Gross premiums due and unreported on policies in
force Dec. 31, 1877, 81,2-16 82
Gross def. prms. on policies in force Dec. 31, 1877, 33,700 61
Total, 114,947 43
Deduct the loading on above gross amount, 22,989 48
Net amount of uncollected and deferred premiums, 91,957 95
Total assets, $3,175,654 91
CONTINENTAL L1FJC INSURANCE COMPANY. 33
ms KOI UNO m >,
Furniture, flxtw 17,270 24
Agents' Balanoei 24,77
BilU Receivable 188,7<MJ 92
,812 99
ins not admitted,) §2,994,841 :>2
V. LIABILITIES.
resent value of all the outstanding policies in
force on the Mst daj of Deo, 1877, computed no-
eord ng t^> the Actuaries' ox Oombined Expert*
em ■ : Mortality, with four per cent, in-
terest 2,890,898 00
Deduct net value of risks of this company re-in-
sured in other solvent companies, 2,689 00
re insurance reserve, 2,893,704 00
Claims for death losses nnd matured endowments in process of
adjustment, or adjusted and not due 30,937 00
CL.ims for death losses, and other policy claims, resisted hy the
company 1 , ">00 00
Liabilities on policyholders' account 2,926, 141 00
Gross surplus on policyholders'account, G8, 7( >0 92
Total liabilities, 1 2, 994, 841 92
Statement upon a reserve established by the General Assembly oj Connecticut,
January Session, 1877.
2,994,841 92
:ties — Net present value of all outstanding
policies in force Dec. 81, l v 77. computed accor-
ding to the A: Table of Mor-
tality, with four end a half pot cent, interest.... 2,706,676 00
All other liabilities 82,487 00 2,739,113 00
Surplus on policyholders' account §25f>,728 92
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 81, '76, 1,112,28c
i during the year 46,821 <;.".
I tal 1,11
:■<!/■ StS full,, ir A :
-. loans or liens Ubed in payment of losses and
claims, '^,07'.'
3-4 CONTINENTAL LIFE INSURANCE COMPANY.
Notes, loans or liens used in purchase of surrendei*ed
policies, and voided by lapse, 144,. r >08 70
Notes, loans or liens redeemed by maker in cash, 8,178 87
Total reduction of premium note account, 177,707 10
Balance note assets at end of the year, $ 980,840 66
VII. EXHIBIT OF POLICIES.
Policies and Additions in force at end of previous year.
Number. Amount.
Whole life policies, 7,211 10,258.286 00
Endowment policies, 3,31)5 3,184,251 00
All other policies,..., 197 450,000 00
10,803 $13,898,537 00
Neio Policies issued during the year.
Number. Amount.
Whole life policies, '. 1,721 2,329,509 00
Endowment policies, 148 126,371 00
All other policies, 202 285,558 00
Old Policies revived during the year.
Number. Amount.
Wholehfe policies 51 40,15100
Endowment policies, 16 13,582 00
Total number and amount, 12,941 16,693,710 00
Deduct policies ceased to be in force, 3,347 5,193.933 00
Total policies in force at the end of the year,.... 9,594 $11,499,777 00
Number and amount of policies which have ceased to be in force during the year
Number. Amount,
Bydeath, 132 183,903 00
By expiry, 7 24,500 00
By surrender, 1,358 1.773,072 00.
By lapse, 973 1,739,100 00
By change and decrease, 003,310 00
Not taken , 877 809,380 00
Total terminated, 3,347 $5,193,933 00
Policies re-insured, 49,801 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount.
Policies in force in Connecticut, Dec. 31st 1876. 1.657 2,234,378 00
Policies issued during the year, 514 297.386 00
Total, 2,171 2,531,764 00
Deduct number aud amount ceased to be in force, 312 6 70, 7^6 00
Total number and amount in force Dec. 31, '77,. 1.859 $1,861,008 00
ENKNTAL II IK INSURANCE COMPANY.
;;;.
Number
. d elaima on polfcieA unpaid Deo. 81, '76, 7
Lnenrred daring war
I il 40
I claims ><n poliei< i paid doting year 33
Amount
9,000 00
10,100 00
$49,600 00
48,600 no
128,659
SclMelale \~R<ai Ettah ownedbg the Company.
Real estate in Chicago, 111 66,068 08
r property in Illinois, 17t.C;.*» GO
inKanaae 22,689 66
in Hartford 5,000 00
Total 1268,186 29
Schedule C. — Loan* on Collateral.
Par Value,
Hartford Steam Boiler Ins. Co 5,000 00
mpany,. 8,000 oo
National Bank, Kansas City 10,000 00
ed to Company... 8,600 00
1 :. Co.. 8,6 '» 00
Mortgage Farm Bonds 2,000 00
Mortgage Note assigned to Company,... (J, 000 00
Orient Fir.- fa -. Co., Hartford 2,800 00
ige Note assigned to Company, ... 5,000 00
ranee Company i 1 00
8,000 00
New York,... 400 00
Phoenix National Bank, " ... 260 00
.nk of Coi l,ooo 00
5,000 00
ok 4,000 00
• r.il Life [m Co 4,000 00
h 1,000 00
in •- ••
Merch..: " 8,0( 00
nk of Cos i,< I
1,0
Willimant ...........
,
Hnhirlai Baa
Market Value.
6,000 00
B,000 00
12,000 00
8,500 oo
100 00
•J, 000 00
0,000 00
3.080 00
r,.i)i)0 00
840 00
MM 001
180 00 ;
250 00 f
1,260 oo j
1,980 00)
8,200 no -
1,000 oo)
1,260 Ool
00 \
8, 120 00 I
■i no
5,040 00
1,61
1,000 00
1,460 ooj
00)
8oo ODJ
Ann. Loaned.
8,560 00
7,150 00
5,000 00
3,500 00
2,500 00
1,500 00
o'.COO 00
750 00
5,000 00
400 00
11,200 00
9,500 00
7, loo (jo
36
CONTINENTAL LIFE INSURANCE COMPANY.
Par. Value. Market Value. Amt Loaned.
New London Northern R. R. stock,.... 1,000 00 1,000 00 700 00
Chicago & Alton R. R. stock, 2,700 00 2.214 00 2,000 00
Adams Nickle Co., 1,000 00 1,200 00 000 00
Judgment Note sec. by real estate 1,000 00 1,000 00 1,000 00
W. Keeney & Co., mort. note assigned, 7,395 00 7,395 00 5,000 00
Total, $110,955 00 $127,299 00 $99,080 00
Schedule JE— btocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States 5-20 ! s, registered, 115,000 00 121,325 00
Municipal Bonds : —
Fort Way ne City, 10,000 00 8,500 00
Middletown Water, 7,400 00 7,400 00
Hartford o City, 8,500 00 8,925 00
Macoupin County, 10,000 00 7,500 00
Jefferson " 10,000 00 10,000 00
Leavenworth " 10,000 00 5,000 00
Utica Town, 12,000 00 12,000 00
Quincy City, 10,000 00 8,050 00
Windham Town Orders, 10,000 00 10,000 00
Railroad Bonds : —
Middletown, Unionville & W. Gap, 14,000 00 14,000 00
N.J.Midland, Receiver's Certificate, 1,947 43 1,947 43
Middletown, Unionville & W. Gap, 1,000 00 1,000 00
Burlington, Cedar Rapids & Northern, 4,200 00 2,730 00
Bank Stocks : —
Farmers & Mechanics Nat. Bank, 28,300 00 32,417 50
Conn. Trust & Safe Deposit Co., 7,500 00 0,375 00
Security Co., 2,500 00 2,500 00
Merchants Loan & Trust Co., Williroantic, 13,000 00 14,500 00
Bloomington Banking Association, 2,500 00 2,500 00
Adams Bank, Topeka Kansas, 1,000 00 1,000 00
American National Bank, Hartford, 750 00 990 00
Mtnti " " " 1,000 00 1,200 00
Stafford " " Stafford, 500 00 540 00
Fourth " '' New York, 300 00 300 00
Rockville " " Conn., ,. 4,500 00 5,175 00
Tradesmen's " New York, 2,000 00 2,040 00
Bank of Attica, Buffalo, 1,500 00 2,200 00
Thompson National Bank, Conn., 1,000 00 1,300 00
Railroad Stocks : —
Delaware, Lackawanna & Western, 5,000 00 2.550 00
St. Louis & Alton and T. H. preferred, 10,000 00 1,800 00
New London Northern, 20,000 00 20,000 00
St. Louis, Kansas City & Missouri preferred, 10,000 00 2,700 00
CONTINENTAL i.ifk [N8URAN0I OOMPANT. 87
Tin N'nliii'. Market V.iltic.
GfafoftgO, Bock Klan.l A 5.11 > ft, 12ft 00
ChioNgo A Alt«»u 5,000 00 4,100 00
Mim - : —
Hartford Steam Boiler Int. Go 1,250 00 l,ft<
Orient InraxmnoeGo BOO 00 660 00
tna •• '• 2,000 00 4,450 00
Lford Life A Annuity Ins. 0o 2,500 00 l,ft00 00
Hartford Steam Boiler Ina. Co i. > 00 6,000 00
United 8tatee Express Go 1,000 00 480 00
rgo " " 10,000 00 50 00
Gold and 8toek Telegraph Co., :). 625 on 2,950 00
Hartford Carpet Go 1,000 00 2,250 00
Richmond Stove Co 4,800 00 "».."»:. 00
nton Silk Co 2,500 of) 2,500 00
Gold and Stock Telegraph Co 1,900 00 1,900 00
Conn. General Life Ins. Co., 54,700 00 :.l,7oo 00
Total cost value, $481,298 90 $484,772 48 *»l'1.::<;i :»:'.
38 HARTFORD LIFE AND ANNUITY INSURANCE UO.
HARTFORD LIFE AND ANNUITY INSURANCE COMPANY,
Hartford, Conn.
Commenced Business, April, 1867.
Erastus H. Crosby, President. Stephen Ball, Secretary.
I. CAPITAL.
Capital stock paid up in cash, $300,000 00
Amount of net or ledger assets Dec. 31, 1870, $926,781 36
II. INCOME DURING THE YEAR.
Received for premiums -without de-
ductions for commissions or other
expenses, 81,934 27
Premiums paid by dividends, includ-
ing reconverted additions, $3,995. 53
by surrendered policies, $109.43,.. 4,104 9G
Total $86,039 23
Deduct amount paid to other Compa-
nies for re-insurance on policies in
this Company, 1,791 75
Total premium income,
Received for interest upon mortgage loans......
Received for interest upon bonds owned and divi-
dends on stock,
Received for interest on premium notes, loans, or
liens, ,
Received for interest on other debts due the Co.,. .
Received as discount on claims paid in advance
Received for rents for use of Company's property,
84,247 48
55,404
71
2,171
83
399
41
1,373
11
166
12
195
V>2
Total income, 143,058 28
Total, $1,070,739 64
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 42,674 44
Deduct amount received from other
Companies for losses or claims on
policies of this Company re-insured 600 00
Total amount actully paid for losses and ma-
tured endowments, >.......>...> i 42,074 44
HARTFORD L1FI AND anm liv i.\sri;\\
paid for rarrendered polidea 14
i a i - 1 1 -
tions. applied in payment «>f I 109 I I
In 1 len la paid to p «li >yh »1 1 >ra
lied in p tymenl »»f premie '. 7 1.
.: pMul policjholdera $65,054.04
stockholdera tot interest or dividenda 15,000
Paid for oommiasiona to i I n.*.
Tai.l A r Balariea, and traveling
1 ■
8ft 05
Paid for medical examinera' feea 917
Paid f"V Salaries, ,.nd Ott :.-atiou of of-
I other office employes ... 19 92
ind loo il I tines
and fees in oth | B.40 1,198 68
Paid fbi rent, (leas $3,075.04 reoeired nnder aob-
lease 7 29
Paid for advertising 925
Paid for the followi viz :— Printing and
stationery, $428.60, postage and ezchang
94, leg tl 17.81, nil- a ex-
To! 111,198 15
$950,54
IV. ASSETS.
AS PXB I.; l) .i.i: aC ■
Keal estate unencumbered, as per Schedule A. 11 4, .">!)() 71
Loan- ind mortgage, (first liens,), 712, 268 94
pledge of bonds, stocks and other
llaterala. as per Sohdule 00
Loans made in oaah to polieyholdera on the Com-
UsteraJ 8,071 on
i doe of boi olntely as
per Behi Inle E 77
117 12
deposited in banka R,264 99
Loans on person, tl -<<-urr 14,821 49
7,81 I
1 1,470 98
416 84
•
Dednd I I
40 HARTFORD LIFE AND ANNUITY INSURANCE CO.
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, 38,381 50
Interest accrued on bonds and stocks, : 413 76
Iuterest due and accrued on collateral loans, 1,0(12 50
Interest accrued oti premiums notes, loins or liens, 225 67
Rents accrued on Company's property or lease 498 76
Gross premiums due and unreported on policies in '
force Dec. 31, 1877, 16,143 56
Gross def. premium on policies in force Dec. 31, '77, 9,836 60
Total, 25,980 16
Deduct the loading on above gross amount, 5,196 02
Net amount of uncollected and deferred premiums, 20,784 14
Total assets $1,011,236 43
ITEMS NOT ADMITTED.
Company's own stock, 2,275 00
Furniture, fixtures, and safes, 11,470 93
Agents' balances, 7,314 20
Loans on personal security, endorsed or not, 14,821 49
Total, 35,881 02
Total assets, (less items not admitted,) $975,354 81
V. LIABILITIES.
Net present value of all the outstanding policies in
force on the 31st day of Dec. 1877, computed ac-
cording to the Actuaries' or Combined Experience
Table of Mortality, with four per cent interest, .... 633,102 00
Deduct net value of risks of this Company re-insur-
ed in other solvent companies, 2.984 00
Net re-insurance reserve, $630,118 00
Claims for death losses and matured endowments in
process of adjustment, or adjusted and not due.. 3,794 00
Claims for death losses and other policy claims resist-
ed by the Company, 5,595 00
Total policy claims, 9,389 00
Unpaid dividends of surplus or other profits due policyholders... 820 51
To cover any depreciation of values in real estate and mortgage
or other securities there is reserved, 15,000 00
Liabilities on policyholders' account 655,327-51
Gross surplus on policyholders' account, 320,027 30
Total liabilities, $975,354 81
11AK1FOKP LIFE AND ANNUITY [NSUKANCJ
•11
976,864 Bl
\ of all outstanding
in foroc 1 1 or-
ding to the Ai Dable of M
tatity, with four an! a half per oent, interest,... 564,476 00
All other lii 26,209 61 689,686 61
•omit (885,669 8( »
VII. EXHIBIT OF POLICIES.
P( . I Additions in force at end of proeiout year.
Number.
1,782
rment policies, LOO
tier policies, 548
irv additionn
& during tin year.
Number.
Whole life policies
Endowment policies 11
\ed during the year.
Number.
Whole life poliei-
: y additions,.
U
:,■ or.
<il
8
All other policies 7-
Amount.
2,422,006
DO
110,128
.Ml
1,004,760
00
04
8,641,168 04
Amount.
406,847
00
9,948 00
Amount.
23,000 00
184
78
108 00
18,629
00
128,000 00
■lions ?>y Dinidi nde.
iitions,
.1 number and amount
Deduct nui Id force 527
and amount in force Dec. 81, 77,.
573 84
L68 66
8,272,466 77
during >},, y,ar.
'int-
By death 118 44
104 117 00
I
liy lapse M 41,2
42
HARTFORD LIFE AND ANNUITY INSURANCE CO.
By change and decrease, .' 147 229,303 37
Not taken, 72 137,009 00
Total terminated, 527 932,696 89
Policies re-insured, 19 76,513 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount,
Policies in force in Connecticut, Dec. 31, 1876, 329 497,116 00
Policies issued during the year, 21 12,324 00
Total, 350 509,440 00
Deduct number and amount ceased to be in force, 35 54,794 00
Total number and amount in force Dec. 31, '77,. 315 454,646 00
Losses and claims on policies unpaid Dec. 31, 1877, 2 1,150 00
Losses and claims on policies incurred during year, 3 4,250 00
Total, 5 5,400 00
Losses and claims on policies paid during year, 5 5,400 00
Premiums collected, 11,221 0'>
Scliedasle A — Real Estate oicned by the Company.
Ileal estate in Hartford. 47,533 01
" West Hartford, 36,454 20
" Chicago, 7.485 33
Other property in 111., 21,818 17
' Louisiana, ' 1,300 00
Total, ...$114,r,90 71
ScSsetlwIe € — Loans on Collateral.
Par value. Market value. Amt Loaned.
Lewis Co., Mo., bond to Q. M. & P. R. R.
Algona sch. dist. bds., Kossuth Co., Iowa,
Mort. bd. on property in Warren ' ;
Story
'• " Jasper ';"
Hartford Steam Boiler Insp. & Ins. Co,..
American Publishing Co. ,
St. Louis & So. Eastern Railway Co.,
Town of New Salem, McDonough Co., 111.
Sch. Dist. bd., Atlantic, Cass Co. , Iowa,.
Trust deed & bd. on prop, in Lee Co., 111.
Stark
Shelby
Travelers Insurance Co.,
Security Co.,
American National Bank,
First National Bank,
500 00
1,000 oo
600 00
400 00
1,000 00
1,600 00
2,100 00
12,000 00
500 00
500 00
5,500 00
1,500 00
2,000 00
1,000 00
200 00
2,000 00
J, 000 00
1,000 00
500 00")
1,000 00
600 00
400 00
1,000 00
2,200 00
2,100 00
5.400 00
500 00
500 0oJ
5,500 00 "i
1,500 00 I
2,0UC 00
1,000 00 j
340 00]
2,000 00 I
1,300 00 ]
950 00 j
12,600 00
10.000 00
5,000 00
Total, $34,400 00 $28,790 00
127,600 00
HARTFORD LIFE AND ANNUITY IN8URAN01 43
PERSONAL 8EOURITIE8.
l note of W. Griawold 1,260 ool
: K. (1. Hastii
qb | id, 8,600 » Becurad by oral lieu on 897 ■hara of
1 note of O. Qriswold, 81 " f*ft»d W« arid Annuity Insurance
dorsad by W. Griawold,... 400 00 Company rtock through a daoiaion of
Imam, ohacka of W. Oris- ' the Snprame Ckmxt of the Stata of Oon-
woi 99 ' naMaak
$12,181 99 J
Secured by clazins against estate of
89 60 I « T vt i i
} E. L. Kinyon, deceased, in course of
I settlement.
* 14,821 19 I
vlicclnlo E — Stoeki and Bonds owned by tin Company.
Par Value. Market Value.
I 9 -
l*. s. 6-20*8, coupon. 1867 8,600 00 8,679 88
: —
Jefferson County, Illinois 16,00 » 16,000 00
l'.ANK BrOOKS : —
tford, 21,600 00 30,42/5 00
Home M Waal lieridan ."..con 00 6,000 00
Hartford Life and Annuity Ins. Co., 8,600 on 2,275 00
Jue $67,686 77 $49,600 00 $48,37!» :;*-
44 PHCENIX MUTUAL LIFE INSURANCE COMPANY.
PHCENIX MUTUAL LIFE INSURANCE COMPANY,
Hartford, Conn.
Commenced Business, May, 1851.
Aaron C. Goodman, President. John H. Holcombe, Secretary.
I. CAPITAL.
Capital stock paid up in cash, $100,000 00
Amount of net or ledger assets December 31, 1876, $10,521,298 33
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses, 1,415,392 16
Premium notes, loans or liens taken
in part payment for premiums, 166,178 32
Total, 1,581,570 48
Deduct amount paid to other Compa-
nies for re-insurance on policies in
this Company 2,466 66
Total premium income, ." 1,579,103 82
Received for interest upon mortgage loans, 395,002 97
Received for interest upon bonds owned and divi-
dends on stock, 27,876^50
Received for interest on premium notes, loans, or
liens, 175,118 20
Received for interest on other debts due the Com-
pany, 7,826 20
Received for rents for use of Company's property,. 2,043 93
Received for profits on bonds, stocks, or gold actu-
ally sold, 2,035 30
Total income, 2,189,606 92
Total, $12,710,905 25
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 657,936 09
Premium notes, loans or liens used
in payment of same, 57,609 76
PHCRN1X MUTUAL LIFE [N8URAN0I COMPANY. ■!."»
addrl oni 81,568 61
nun notes, loans or lions mad
in payment »>f bum '"'.71 I
for
losses Mini motored endowments,
Paid f or surrendered poHoies, 88,880 89
PnniiiiMi DOiOB, loans or liens iwd Ul purchase of
enrreiidsre potteies, and roided by lapse 878,166 87
sorrender values, inoloding reoonrertod addi-
ppliod in payment of premiums 64,101 89
Cash dividends paid feo polioyholdera and applied
in poymont of premiums 282,874 71
Premium notes, loans or liens need In payment of
dividends to policyholders 56,606 12
Xotel paid polioyholdera $1,604,978 19
BfcOOkholdera t'<>r interest and dividends 6,000 00
Paid for commissions to agents 97,898 06
Paid for salaries and traveling expenses of man-
agers of agencies, and general, special and local
agents 60,474 04
Paid for medical examiners' f res, 6,490 91
Paid for salaries and other compensation of offl
and office emp! \ — 15,771 94
Paid for U. S. taxes and revenue stamps. (58.46,
• and local taxes §61,780.98, taxes, licenses,
fines and fees in other States $12,838.72 64,678 11
: r OT [rent 10,666 <:t
Paid for advertising 1,442 87
Paid for the following items : — Hooks, blanks and
- ,273.1 ".7, exchange $2,844.98, stamps
£-.498, legal and law expenses $18,257.82, ex-
7, profit and loss including
.24 120,425
Total 2,021.710 29
194 :••;
IV.
H TB.
|
mostgsgfl Aral Uens _• 50
Loans Beonred by pie Iga of i... ,, r other
■
Cash in Coin pan
46 PHCENiX MUTUAL LIFE INSURANCE COMPANY.
Cash deposited in banks, 240,242 04
Bills receivable, 48, 1 29 43
Agents' ledger balances, 23,184 48
Total net or ledger assets, $10,689,194 96
Deduct depreciation from cost of assets, 2,420 50
Total net or ledger assets, less depreciation, $10,686 774 46
OTHEE ASSETS.
Interest due and accrued on bond and mortgage loans, 258,541 09
Interest accrued on bonds and stocks, 5 4.Q1 94.
Gross def. premiums on policies in force Dec. 31, '77, 18,054 19
Deduct the loading on above gross amount, 68,037 58
Total, 86,091 77
Deduct the loading on above gross amount, 17,218 35
Net amount of uncollected and deferred premiums, 68,873 42
Furniture, fixtures and safes, one-third of cost, 9,805 64
Total assets, $11,029,396 55
ITEMS NOT ADMITTED.
Furniture, fixtures and safes, 9,805 64
Agents' balances, 23,184 48
Bills receivable, 48,129 43
Total, 81,119 55
Total assets, (less items not admitted), $10,948,277 00
V. LIABILITIES.
Net present value of all the outstanding policies in
force, computed according to the Actuaries' or
Combined Experience Table of Mortality, with
four per cent, interest, 10,294,876 00
Deduct net value of risks of this^Company re-in-
sured in other solvent Companies, 4,138 00
Net re-insurance reserve, 10,290,738 00
Claims for death losses due and unpaid, S4,000 00
Claims for death losses and matured endowments in
process of adjustment, or adjusted and not due,... 234,574 00
Claims for death losses and other policy claims re-
sisted by the Company, 60,500 00
Total policy claims, 329,074 00
Due on account of salaries, rents and office expenses, 2,501 59
Premiums paid in advance, :.... 42,614 04
Special reserve, 50,000 00
Liabilities on policy hoi ders' t account, 10,714,927 63
Gross surplus on policyholders' account, 233,349 37
Total liabilities, $10 ; 948,277 00
PHCBN12 MUTUAL I. IKK [N8 COMPANY. 17
S
10,948,21
. tluc of all outstanding
tpnted aooord-
ing to th< \ Dab! ■ of Mor-
tality, with four ami a half per cut. Interest,... 9,681,525 00
All other liabilities 424,189 68 l". 005, 71 1 68
Surplus on polio; aoeonni
VI. PREMIUM note ACt'orXT.
na or liens on head Dee. 81, '76, 2,982,685 00
K •:•. 1 during i!. lt'»(;.17> s 82
Total 8,148,863 82
Deductions during tin year at foUotoe:
ins, or liens oeed in payment of losses end
claims 64,854 1~>
i in pnrehaee of surrendered
policies, and voided by Lapse 378,156 27
1 in payment of dividends
to poUeyholders 53,606 42
i, loans or liens redeemed by makei in cash 5,927 ;>.""»
Total reduction of premium note account, 502,044 1!'
Balance not t end of the year, $2,646,819 1".
VH. EXHIBIT OF POLICIES.
■ ■ > end of I is year.
Number. Am. unit.
Whole life policies 90,481 18,060,677 00
7,270 9,112,25fl
All ot' 24 ,.,) ,„,
111.
775 52,8
Nn: 0UHt
life poli-i.-s 2,461
122
Endo ■
48 PHOENIX MUTUAL LIFE INSURANCE COMPANY.
Old Policies increased during the year.
Whole life policies, 1 00^ qq
Additions by dividends, G 505 00
Total number and amount, 31,224 56,443 592 00
Deduct policies ceased to be in force 5,745 12,544(526 00
Total policies in force at the end of the year, . ...25,479 43,898,966 00
Number and amount of Policies which have ceased to be in force during year.
Number. Amount.
By death, 354 767,820 00
By expiry, 29 38,503 00
By surrender, 445 975,234 00
By lapse, 2,749 5,042,777 00
By change and decrease, 1,637 4,321,060 00
Not taken, 531 799,232 00
Total terminated, 5,745 $12,544,626 00
Polilies re-insured, 119,842 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount.
Policies in force in Connecticut, Dec. 31, 1876, 3,041 4,156,774 00
Policies issued during the year,... 303 286,523 00
Total, 3,344 4,44:1,297 00
Deduct number and amount ceased to be in force, 447 798,882. 00
Total number and amount in force Dec. 31, '77, 2,897 3,644,415 00
Amt. of losses and claims on policies unpaid Dec. 31, '77 12 18,169 00
Amt. of losses and claims incurred during year, 27 51,422 00
Total, 39 69,591 00
Amt. of losses and claims on policies paid during year, 28 50,636 15
Premiums collected in cash, $166,689.57; notes or
credits, $5,399.00, 172,088 57
Schedule A — Real Estate owned by the Company.
Real estate in Chicago, Illinois, 85,337 00
Other property in Illinois, 59,400 00 ,
Indiana, 20,856 00
" Wisconsin, 45,600 00
Vermont, 2,000 00
Michigan, 150,250 00
New York, 4,315 00
Total, • $367,758 00
riUKNlx MUTUAL LIFE IN- COMPANY, 19
Schedule <' Loam on OoilaUralo,
Par Value. Marlo-I Value. Anil. I .< >:in<-<].
• .V Mis-ouri
B R EL Hull.
60,000 <> i 85,0 10 " I 85,0 K) 00
..■at of mort-
gage n->t... 1,200 00 1,200 00 1,06
tls. $.-)!, L'oo oo *;it;,*_'oo oo ^:i«;, < >.-, - 1 no
Schedule JE— Stock* and Bondt\ownod by the Company.
Strr-'d
coupons. 6'b, 1881
Unregistered. 1891
IffUHTOIPAL BOMM : —
Diet «;'-. Hertford, Conn.
Valley Palls Township 7's
10'a
Benton HerborendSt. Joseph School,
I : —
Indiana Central lo's.
Trustees* Certificates So. Minn.,
- : —
Charter Oak National. Hartford,
.Ktna "
■tenant '•
rican "
Farmers and M M ford...
I lartford
Mu-illion. Ohio ,
Toledo, Ohio
D B l ; ' m] my, Hartford
I : —
Hertford <"ity <J<ts I
Hartford.
Par Value. Market Value.
160,000 00 17o,4on no
15,000 00 16,012 50
T0,0i>o 72,625 oo
to 00
28,000 "0
89,0 o oo
12,000 oo
00 oo
50.000 oo
20.0' I
20,00
8,500 00
10,000 oo
20,000 oo
1 10 oo
•_'o. ) 00
10.000 oo
10 oo
|»0 00
7,100 oo
10.01 I
107,50
1 1,835 oo
N) oo
12,000 oo
8,00o 00
lo.ooo no
25,400 >
19,000 00
1,285 oo
1 1,500 oo
00 oo
87 00
12,000 00
9,960 oo
5,000 oo
14,200 <><>
I0,0<
Total cost value 1026,425 00 |615,8O0 00 >
7
50 RAILWAY PASSENGKRS ASSUHANCK COMPANY.
RAILWAY PASSENGERS ASSURANCE COMPANY,
Hartford, Conn.
Commenced Business, February, 18G6.
James G. Batterson, President. Charles E. Willard, Secretary..
I. CAPITAL.
Capital stock paid up in cash, $300,000 00
Amount of net or ledger assets Dec. 31, 1870, $475,337 90
II. INCOME UUIUNG THE YEAR.
Received for premiums without deductions for com-
missions or other expenses, 82,242 58
Received for interest upon mortgage loans, 6,655 22
Received for interest upon bonds owned and divi-
dends on stock, 19,268 45
Received from other sources, 136 66
Total, 108,302 91
Total, $583,640 81
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 42,451 41
Paid stockholders for interest and dividends, 27,000 00
Paid for commissions to agents, 25,494 00
Paid for traveling expenses of managers of
agencies, and general, special and local agents... 2,840 81
Paid for medical examiners' fees, and loss expenses 868 05
Paid for salaries and other compensation of officers
and employes, 17,100 24
State and local taes in State where organized,
$100.00, taxes, licenses, fines, and fees in other
States, $5,674.08, 5,774 08
Cash paid for rent, 1,000 00
Cash paid for advertising, 2,880 03
Paid for equipments, $661.38, agency and office
expenses $1,603.93, returned premiums $5.73,
freight and express $1,025.74, exchange and
postage, $2,064.42, books, blanks and stationery
$437.29, loss on sale of stock $13,252.04 19,050 53
Total disbursements, 144,459 15
Total, $439,181 66
RAILWAY PA tS 183UKAN0K COMPANY. 51
IV. U3SJ
ra.
ond and mortgage, (first liens) 86,000 00
Oqel value of Km. is and stocks owned absolutely, as
per8eheduls B 880,096
I in Oompan; -.. 401 ci
lepoeited in banks 81,888 19
Non-reaiden1 tai 1,800 00
Total net ox ladgi i $489,181 66
OTHKK A-
Mark.t value of bondfl and storks over cost as per Schedule E.,.. 8,198 <;i
$441,880 80
V. LIABILITII.v
Net re-insurance reserve, (estimated. 1 15,000 00
Claims for death losses and matured endowments in process of
adjustment, or adjusted and not due 6,000 00
Claims for death losses, and other policy claims, resisted by the
company 14,000 00
[^abilities on policy hold 36,000 00
Gross surplus on polioyholders'aocount 406,880 30
. liabilities £441,880 30
VII. EXHIBIT OF POLICIES.
Number. Amount
New policies issu. 177,882 o.V.^'.^oOO 00
numbers and amounts in force at the end of the
1,841 4,023,000 00
VIII. BUSINESS IN CONNECTICUT IN
Losses end claims on policies paid during the year 3
Premiums collected, cash, 918 86
S< I;«'(!i: <
• JOS. ' Value.
: —
I (X)
l.'MII 1."
52 KAILWAY PASSENGERS ASSURANCE COMPANY.
Par Value . Al arket Value.
Municipal Bonds : —
Hartford City, 10,000 00 10,700 00
Norwich City, Connecticut, 10,000 00 10,300 00
Chicago Water Loan, 10,00Q 00 10,000 0o
Railroad Bonds : —
Southern Minnesota, 10,000 00 7,000 GO
North Missouri, 10,000 00 10,350 00
Mil. & St. Paul, 10,000 00 10,700 00
Lake Shore, 1,000 00 1,080 00
Dub. & Sioux City, 10,000 00 10,300 00
Hartford, Providence & Fishkill 5,000 00 5,400 00
Buffalo, New York & Erie, 20,000 00 21,650 00
Railroad Stocks : —
New Fork, New Haven & ITartford, 25,000 00 38,250 00
C, R. I. & P 10,000 00 10,025 00
Bank Stocks : —
Shoe and Leather National, New York, 6,600 00 7,788 00
American Exchange " " 10,000 00 10,550 00
Merchants " " 8,000 00 6,400 00
Fourth " " 8,000 00 7,840 00
City, Hartford, 20,000 00 18,200 00
Hartford Trust Company, 11,300 00 9,605 00
Connecticut Trust Company, 15,000 00 12,000 00
Total cost value, $330,096 86 $314,400 00 $332,295 50
TRAVELERS INSUHANi \NY.
TRAVELERS [NSURANCE COMPANY,
Sabtvobd, Conn.
Oommenoed Business. July, It
James G. Batterson, rrt^dtitt. Rohm y Dxmns, BuTtUliry,
LIFE DEPARTMENT.
Amount of net or ledger assets December 31, 187*;, $2,680,667 06
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses 499,673 35
Deduct amount paid to other Compa-
nies for re-insurance on policies in
this Company 3,609 01
Total premium income, 488,064 34
Received for interest upon mortgage loans, 170,744 53
Received for interest on bonds owned and divi-
dends onstock, 33,390 00
Received for interest on other debts due the Co.,... 1,121 36
Received as discount on claims paid in advance,.... 388 73
Received for rents for use of Company's property,. 2,488 78
Received for profits on bonds, stocks, or gold actu-
ally sold, ^3 80
Total income, 706,781 64
Total.
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and addition * 146,161 98
Pai'l for attend endowments aud
add/ 18,600 00
Total amount artully paid for
losses and matured MlllowmCMltl
Cash paid to annuitants 1,16
Cash p 1 1
Total paid policyholders %\\
54 TRAVELERS INSURANCE COMPANY.
Paid for commissions to agents, 42,289 97
Paid for salaries, and traveling expenses of mana-
gers of agencies, and general, special and local
agents, 15,616 30
Paid for medical examiners' fees, 9,645 26
Paid for salaries, and other compensation of of-
ficers and other office employes, 14,005 12
Taxes, licenses, fines and fees in other States 4,144 54
Paid for rent, 200 00
Paid for advertising 16,393 78
Paid for the following items, viz : — Books, blanks
stationery $1,706.59, express charges $168.71,
loss expenses $1,877.83, expense $3,273.11, ex-
change 624.57, postage $1,990.22, profit and loss
$5,024,80, 14,665 83
Total disbursements, 292,737 56
Balance, $3,094,551 03
IV. ASSETS.
AS PER LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A., 447,925 18
Loans on bond and mortgage, (first liens,) [2,033,883 23
Cost value of bonds and stocks owned absolutely as
per Schedule E 552,917 54
Cash in Company's office, ; ; 925 93
Cash deposited in banks, 58,596 87
Agents' ledger balances 302 28
Total net or ledger assets, $3,094,551 03
Deduct depreciation from cost of assets, 84,972 72
Total net or ledger assets, less depreciation, $3,009,578 31
OTHER ASSETS.
Interest due and accrued on bond and mort. loans,... 130,556 78
Less amount due more than six months, 34,389 53 96,167 25
Gross pi-emiums due and unreported on policies in
force Dec. 31, 1877, 53,316 75
Gross def. premium on policies in force Dec. 31,j'77, 62,182 25
Total, 115,499 00
Deduct the loading on above gross amount, 23,099 80
Net amount of uncollected and deferred premiums, 92,399 20
Total assets $3,198,144 76
ITEMS NOT ADMITTED.
Agents' balances, 302 28
Total assets, (less items not admitted,) $3,197,842 48
. WK1.KKS [N8URAN0K OOMPAN V.
v. LIABILITIES
Reserve t'or indemnity contracts of life polioies,
Ins of nil the outstanding polioies in
on the 31st day of Deo. i s ". computed as-
cot ' tuariea* or Oombined Experienoe
tality, with four per oen1 interest 2,786,984 00
:" this I oiupiny re-insur-
ed in other sorrenl oompeniee 24.419 00
■ re-insuranoe n 9,761,67) 00
Claims for death loot Lnnpaid 4,000 00
me for death losses snd matnred endowments in
pfooonn of adjustment, or adjusted and oof due., 85,425 00
Claims for death losses and other policy claims resist-
ed by tin 2,600
Total policy claims, 41,92o 00
polioyhold nit 2,810,997 »'<>
Gross surplus on policyholders' aooounl
kal liabilities |8,197,842 18
'■!>/ Oj Count -f'r'/t,
3.1 97,84
Liabi. present value of all outstanding
policies in force Deo. 81, i>77. eomputed accor-
ding to the American Experience Table of Mor-
tality, with four and a half per cent, interest,... 2,499,758 00
All other liabilities 49,425 00 8,549,1$
Surplus on policyholders' account $i;
VII. EXHIBIT OF POLICIES.
/'
Number. Amount.
&e policies, - i»;.:
I,
All other policies II-.;
1 19,1 1 •;.:;'.•! 00
Nik; Amouuf.
I.
Endowniei
All oti 40
56 TRAVELERS INSURANCE COMPANY.
Old' Policies revived during the year.
Whole life policies 26 41,650 00
Endowment policies, 4 3,500 00
Total number and amount, 13,216 22,974,162 00
Deduct policies ceased to be in force, 2,208 4,283,979 00
Total policies in force at the end of the year,. ...11,008 $18,690,183 00
Policies Re-insured during the year..
Number. Amount.
Whole life policies, 48 139,625 00
Endowment policies, 1 750 00
Total re-insured, 49 140,375 00
Number and amount of policies which have ceased to be in force during the year
Number. Amount,
Bydeath, 75 143,745 00
By expiry, 16 42,000 00
By surrender, 60 86,709 00
By lapse, 1,178 2.283,600 00
By change and decrease, 482 1,052,050 00
Not taken, 397 675,875 00
Total terminated, 2.208 $4,283,979 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount.
Policies in force in Connecticut, Dec. 31st 1876 564 935,067 00
Policies issued during the year, 143 257,272 00
Total, 707 1,192,339 00
Deduct number and amount ceased to be in force, 121 247,991 00
Total number and amount in force Dec. 31, '77,. 586 $944,348 00
Number. Amount
Amt. of losses and claims on policies unpaid Dec. 31, '76, 2 4,000 00
Losses and claims on policies incurred during year, 6 6,570 00
Total, 8 $10,570 00
Losses and claims on policies paid duiing year, 7 $,570 00
Premiums collected, 48,580 28
Schedule A — Real Estate owned by the Company.
Real estate in Hartford, Conn., 50,000 00
11 in Chicago, 111., 61,000 00
Other property in Illinois, 95,200 00
" in Indiana, 142,600 00
" in Wisconsin, 10,640 00
U in Missouri, 5,175 00
Total, $364 615 00
rftAVSLIKS INBURANCK OOMPAKT. 57
ACCIDENT Dl-:i*AKTJll]TIT.
I. CAPITAL.
U il ttook paid up in cash 1600,000 00
Amount of mI or ledger iMtti Deoembei 81, 1876 #1,007,810 86
II. INCOME DURING THE YEAR.
I d for premiums without de-
dnotions for commissions or other
expenses, 718. 984 B2
Deduct amount paid to other Compa-
nies for re-insurance on policies in
this Company, 968 -20
Total premium income 718,061 02
Received for interest upon mortgage loans, 15,708 70
Received for interest upon bonds owned and divi-
dends on stock 49,171"21
Received for interest on other debts due the Com-
pany 1,484 01
Received as discount on claims paid in advance, .... 4<>1 23
Received for rents for use of Company's property. . 69fl 60
Received for profits on bonds, stocks, or gold actu-
ally sold, 1,906 4«,
Total income 786,833 83
$1,884,144 79
III. DIBBUBSBMBNTS DURING THE Yi:.\l<
Paid for losses and additions, 809,800 66
Total paid poliryh< *lders fft (2,1 M ».< '•■<
Paid stockholders for in' 72,000 00
Paid for coram I 162,890 19
Paid for salari.--. and traveling expense! of man-
agers of agencies, and general, >p<-eial Mid local
agents,
Paid for n] ttOO of ofl
and office employes.
198.77,
senses, fines and f« des
Paid for rent, lera | .'-ocired and* r sub-
leas*
3
58 TRAVELERS INSURANCE COMPANY.
Paid for furniture and fixtures and safes for home
and agency offices, 2,543 94
Paid for advertising, 19,021 49
Paid for the following items: — Books, blanks and
stationery $9,310.72, express charges $3,492.27,
loss expenses $17,010.74, expense $6,139.71, ex-
change $084.29, postage $9,072.50, profit and
loss $14,005.74, 00,370 03
Total disbursements, 772,719 05
Balance, $1,111,425 14
IV. ASSETS,
AS PER LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A, 15,045 15
Loans on bond and mortgage (first liens), 257,032 79
Loans secured by pledge of bonds, stocks, or other
mai'ketable collaterals, as per Schedule C, 25,000 00
Cost value of stocks and bonds owned absolutely as
per Schedule E, 782,597 37
Cash in Company's office, 1,059 37
Cash deposited in banks. 25,982 04
Bills receivable, 2,397 75
Agents' ledger balances, 1,710 07
Total net or ledger assets, $1,111,425 14
Deduct depreciation from cost of assets, 9,512 02
Total net or ledger assets, less depreciation, $1,101,913 12
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, 15,005 45
Less amount due more than six months, 3,800 00 11,200 45
Interest accrued on collateral loans, 437 50
Total assats $1,113,557 07
ITEMS NOT ADMITTED.
Agents' balances, 1,710 07
Bills receivable, 2,397 75
Total, \ 4,107 82
Total assets, (less items not admitted) $1,109,449 25
V. LIABILITIES.
Net present value of all the outstanding policies in force Dec.
31, 1877, computed according to the Company's own Table,.... 198,514 67
Claims for death losses and matured endowments in
process of adjustment, or adjusted and not due,... 49,500 00
rKAYKLBBfl IN8URANCE COMPANY.
Claims for death looses mid other policy claims |
j tin- Company 11, (mid 00
1 policy ilaimi 68,500 00
uta and office expenai 5,000 <><>
T.i-.ii ilil :• ^holders' account 267,014 67
: p lus on policyholders' account, v 12, 184 58
Total liabilities. $1,109,449 25
VII. EXHIBIT OF POLICIES.
Poli<*ii* and Ad'} it t'<< tint ofthi previous year.
Number. Amount.
Accident policies. 84,809 96,992,200 00
New PeUeies issued during the year.
Number. Amount.
Accident policies 89,090 107,585,088 00
: .1 number ami amount 78.899 204,527,288 00
Deduct policies ceased to be in force, 40, 6 Hi 11 3,. 5S. 5,5 75 00
1 • .1 policies in force at the end of the year, . ...32,783 90,941,708 00
N tber and amount of Policim which hate teased to he in force during year.
Number. Amount.
By deith 76 177,826 00
By expiry 40,541 113,408,250 00
Total terminated 40,616 8113,585,575 00
VIII. BUSINESS IN CONNECTICUT IN' 1877.
Number. Amount
Policies in force in Connecticut, Dec. 31, 1876 8,249 8,075,355 00
Policies issued dining the year 1,127 8,562,000 99
I 4,876 12,527,855 00
Deduct number and amount ceased to be in force, -i. 1 16 9,508,155 00
and amount in force Dec. 81, '77, 3,<>;
Amt. of losses and claims on policies paid during y-
Premiums collected, 19,9
TIhiIiiD A- /-any.
Real estate in Chicago, 111 12,975 '.'1
1,400 00
Sundry expenses upon property in proeeM of I
969 24
rote] .. 115,6
60
TRAVELERS INSURANCE COMPANY.
Schedule C— Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Soldier Township bonds, Kansas, 18,000 00 15,300 00 \ i; „
Jefferson " " 18,000 00 15,300 00>
Total, $36,000 00 $30,600 00 $25,000 00
Schedule E — Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
United States bonds, 6's, of 1881, 43,000 00 47,117 50
" 5-20's, 304,000 00 329,840 00
Connecticut, 10,000 00 10,900 00
Tennessee, 32,000 00 12,090 00
Virginia, 26,100 00 16.965 00
Municipal Bonds : —
Elizabeth City 10,000 00 9,000 00
Chicago Water Loan, 20,000 00 21,400 00
Topeka City 40,000 00 30,000 00
Indianapolis City, 10,000 00 10,000 00
Oswego City, 10,000 00 10,400 00
Des Moines School District, 15,000 00 15,000 00
Railroad Bonds : —
Lake Shore and Michigan Southern, 1,000 00 1,080 00
Inpianapolis and Cincinnati, 13,000 00 11,700 00
Chicago and North- Western, 10,000 00 10.800 00
Milwaukee and St, Paul 10.000 00 10,600 00
Keokuk and Des Moiues, , 9,660 00 5,879 00
New York, Providence and Boston, 10,000 00 11,500 00
Hartford, Providence and Fishkill, 18,000 00 19,440 00
Detroit. Monroe and Toledo, 20,000 00 21,400 00
Buffalo, New York and Erie, 30,000 00 32,100 00
Railroad Stocks : —
New York, New Haven and Hartford, 60,000 00 95,400 00
Bank Stocks : —
Farmers' and Mechanics' Nat. Hartford, 27,200 00 30,736 00
American " 30,000 00 39,000 00
City " 20,000 00 18,200 00
Phoenix " 43,500 00 65,250 00
JEtna " 10,000 00 12,000 00
Mercantile " 20,000 00 23,000 00
Hartford *« 56,000 00 84,000 00
First " 5,000 00 4,5.00 Oo
Charter Oak M 6,900 00 8,763 00
National Exchange " 15,000 00 19,800 00
New Britain National, New Britain, 10.000 00 12,000 00
Thames " Norwich, 20,000 00 28,000 00
Metropolitan " New York, 7,500 00 10.125 0C
LAVJCLER8 1N8URANCK UOMPANT. 61
Par N'a'iu.-. Mark-t \ nine.
Amerioaii Exchange National, Hen York L0,000 00 10,600 00
Merahanta* Bxenange " B,000 00 5,400 00
N\'\v York 10,000 00 9,000 00
■I National, Lafaystta 10,000 00 16,000 00
\ Atonal Bank of iho Ckxnmonwaalth, Boston,... 10,000 00 10,600 00
- : —
Bail* ly • Lnmanoa Co., 166,000 00 166,000 00
Hartford Trad Company. Sartford 12,000 00 10,900 00
Conn. Trust and 8afe Deposit Oo., Bartford,, ... 80,000 00 16,000 00
B irity Company, Hartford 5,000 00 6,000 00
Total cost varao $1,886,614 91 |1, 31 8,860 00 1 1,826,
CO-OPERATIVE SOCIETIES,
CONNECTICUT MUTUAL BENEFIT COMPANY,
New HaVen, Conn.
Assets January 1st, 1877 5,526 13
Iteceived in 1877,
Annual dues, 3 00
Other sources, 5 87
Total $5,535 00
EXPENDED IN 1877.
Paid for filing statement, 10 00
Balance, $5,525 00
ASSETS.
Bills receivable, 2,260 00
Fixtures, 409 03
Due from agents, 2,855 97
Total, $5,525 00
LIABILITIES.
Due to agents and others, 2,319 46
W. F. Burke 51 00
E. E. Cabot, 83 00
H. C. Maben, 18 00
Jacob Moulter, 30 00
Assessments in advance. 66 CO 2,567 46
Assets over liabilities, $2,957 54
tPCKAl IVK SOCIETIES
NUMBER OF 0BBT1FI0ATB8 IN FORCE DEO. 81, 1871
m One, 7
rwo 4
18
v 10
•• B «;
10
Total 50
This Company takes no new bxUBl
MUTUAL BENEFIT LIFE COMPANY.
SaBTVOBD, Conn.
Subscribed stock $100,000 00
Amount paid op 14,000 00
RECEIPTS.
Assets December 81, 1876 6,808 18
ReceivrJ for preminiBfl 687 20
MMMmenfa »88 21
unnuiil dues 1..".7^ 59
bills receivable. 119 <io
capital stock 80 00
112,408 48
DISBURSEMENTS
Paid for death I 8,011
commissions, 1,091 69
rent 150 00
706 72
incidental expenses 1,982 6,497 41
Cosh on band,
Dm from agents and others
Hills receivable on hand, 7 77 76
Office furniture,
94.951 84
64 CO-OPERATIVE SOCIETIES.
LIABILITIES.
Death losses, 1,039 00
Advance assessments, , 1,510 35
Personal account, 1,853 48 4,402 83
Surplus of assets over liabilities, $549 01
NUMBER OF POLICIES IN FORCE DEC. 31, 1877.
Members,
Division Police, 106
" Union plan 520
" Mutual plan, 399
*S5\
LIFE INSURANCE COMPANIES
OE OTHER STATES.
ABSTRACTS COMPILED FROM THEIR ANNUAL STATE-
MENTS, SHOWING THEIR CONDITION ON THE
31st DAY OF DECEMBER, 1877.
COMPANIES OF OTHER STATES.
EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED
STATES,
New Yokk City.
Commenced Business, July, 1 8
Henry B. Hyde, President. Samuel Borbo we, Secretary.
Attorney in Connecticut, Philip Pond, New Haven.
I. CAPITAL.
Capital stock paid up in cash $100,000 00
Amount of net or ledger assets December 31, 187<J, $30,410,719 90
II. INCOME DUBING THE YEAR.
Received for premiums without de-
duction for commissions or other
expenses 7,060,468 88
I • 7,067,288 78
Deduct amount ]
ranni on potiefc
thfc Company
Total premium income,
I ; • '.iL- Iotas, 1,077,1
Received for inteimi <>n I Iivi-
dends on stock.
Received for interest on other debts due th
68 EQUITABLE LIFE ASSURANCE SOCIETY.
Received for rents for use of Company's property, 286,144 03
Received for profits on bonds, stocks, or gold ac-
tually sold, 16,593 77
Total income, 8,921,028 11
Total, $39,337,748 01
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 1,923,535 98
Paid for matured endowments and ad-
tions, ,. 150,591 54
Total amount actually paid for
losses and matured endowments, 2,074,127 52
Paid to annuitants, 25,708 40
Paid for surrendered policies, 1,389,274 47
Cash dividends paid to policyholders, 1,745,106 37
Paid stockholders for interest or dividends 7,000 00
Paid for commissions to agents, 344,845 64
Paid for salaries and traveling expenses of man-
agers of agencies and general, special and local
agents 41,999 06
Paid for medical examiners' fees 46,021 15
Paid for salaries and other compensation of officers
and other office employes, 258,158 91
Paid for taxes, revenue stamps, licenses, fines and
fees, 95,699 55
Paid for rents, 105,775 32
Paid for cammuting commissions, 12,600 00
Paid for advertising, 59,638 05
Paid for the following items /-Printing, stationery,
law, postage, express, investment, building,
agency, office, official examinations, and sundry
expenses, 252,912 25
Special contingent fund for possible depreciation in
value of real estate, 322,897 09
Depreciation in United States Bonds, 77,932 36
Total disbursements, 6,859,756 14
Balance, » $32,477,991 87
IV. ASSETS,
AS PEE LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A, 6,286.744 94
Loans on bona and mortgage, (first liens), 13,723,218 44
Loans secured by pledge of bonds, stocks and other
marketable collaterals, as per Schedule C, 1,953,206 00
Cost value of bonds and stocks owned absolutely,
as per Schedule E, 9,067,482 38
KQU1TABLB I. IFF. A8SURANCK SOCIkTY. 69
•n Company's ottoa 61,861 58
Cash deposited in bunk* B92,185 87
I in curs.' of lnosmlssloii slyed)., ... 183,298 IS
I ate' ledger bslsnoei 287,247 B6
Commoted oommiMioDi 108,781 7t
a net or 1< its §82,477,991 B7
OTKBI ken i ■.
Interest due and iOOrned on bond ami mortgage loans, '_' 7 •;,.".<>•_' '_".)
Interest doe end loomed on bonds an. 1 stocks, 17,624 ."-7
Interest dm- and loomed on |oollateraJ loans, <fcc 20,899 62
Rents due and loomed on Company's property or lease, 7<;. 1 18 12
- premiums due ami unreported on policies in
force Dec, 81,1877, (leas proms, paid in advance) 7 ( .»,41S 00
- def. prms. on policies in force Dr. :'.l, 1 S77, .">7S.si;o oo
ksl 658,278 00
Deduct the loading on above gross amount, 181,656 00
N,t amount of uncollected and deferred premiums 526,622 00
Premium on gold on hand, 2,910 18
Total assets, 83,898,999 20
ITEMS NOT ADMITTED.
Commute. ] commissions, 108,751 74
Agents' Halauces 287,247
Total 840,999 59
Total, rjon items not admitted.) £83,057,999 61
V. LIABILITIES.
resent value of all the outstanding policies in
Eons on the Sis! dsy of Deo. 1877, oompnted ac-
cording to the Actuaries <>r Combined Expert'
•■!•• of Mortality, with four per cent, in-
28,681,218 00
el, on th losses due end nnpsid 28.288 00
Clsims f oi MS in prooeea of sdjostment, or
toe 416,768 00
inn for destli l os s si ind i kher polioj claims re-
sisted by the Oonwsny BO,600
525,540 i o
|
:.• r Habiir • |gj «
.i.ilities on i obeys Id
oss snrpfan on policyholders 1 ■
-
61
70 EQUITABLE LIFE ASSURANCE SOCIETY.
VII. EXHIBIT OF POLICIES.
Policies and Additions in force at end of previous
Number.
Whole life policies, 41,350
Endowment policies, 7,047
All other policies, 339
Reversionary additions,
48.736
New Policies issued during the year.
Number.
Whole life policies, 5,237
Endowment policies, 428
All other policies, 125 .
Old Policies revived daring the year.
Number.
Whole life policies 716
Endowment policies, 98
All other policies, 5
Amount.
146,423,532 00
21,331,118 00
974,290 00
4,321,750 00
173,050,690 00
Amount.
13,554,136 00
1,401,952 00
251,580 00
Amount.
5,164,950 00
325,500 00
28,000 00
Reversionary additions, ,
Additions
Dividends.
Total number and amount, 55,345
Deduct number and amount ceased to be in force, 8,596
Total number and amount in force Dec. 31, '77,. 46, 749
1,986,675 00
193,763,483 00
32,942,067 00
160,821,416 00
Number and amount of policies ichich have ceased to be in force during the year.
Numbe
By death, 526
By expiry
By surrender,
By lapse
By maturity,
Not taken,
Additions,
Total terminated,
Number.
Amount.
526
1,989,247 00
8
16,500 00
2,671
11,191,415 00
4,327
14,200,240 00
48
140,210 00
1,016
3,297,995 00
2,106,460 00
8,596
32,942,067 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount,
Policies in force in Connecticut, Dec. 31, 1876, 633 2,237,385 .00
Policies issued during the year, 74 197,705 00
Total, 707 2,435,090 00
Deduct number and amount ceased to be in force, 94 355,745 00
Total number and amount in force Dec. 31, '77,. 613 2,079,345 00
EQUITABLE L1FI ASSURANCE SOCJKTY.
71
Nunih.T. .nut.
Losses ami ebrima on poHotoi unpaid Deo. 81, 1876 8,600 00
i and claims oo polieioa incurred during year, Q 100 <>o
J 9 17,000 00
Losses and clnims on policies paid during year - 26,000 00
Premiums ooMeot e d 204 18
Schedule A— B med f>y the Company.
Real estate in New York City, Co's building,... 4,076,000 00
44 other property.... l'.»7. 772 58
in Boston, Oo'sbnnoh office, 1,100,000 00
Brooklyn, 159,867 87
New Jersey, 710,278 77
Missouri 28,681 71
14 | Illinois 18,948 88
Indiana, 1,760 00
Total, 8«.28G,744 94
Schedule C — Loans on Collateral.
Par value. Market value. Amt Loaned.
Brooklyn City stock, 8,000 00 9,280 00 7,000 00
United States 5-20's, 2,000 00 2,000 00) 3,000 00
6's, 1881, 1,000 00 1,068 76J
5-20's 1,000 00 1,050 25 1,000 00
" 1,000 00 1,050 26 1.000 00
L881, 2,000 00 2,110 00 2,000 00
1040*1 60,600 00 53,437 60 60,001
100,800 on 108,191 87 100,000 00
44 160,600 00 164,840 02 160,000 00
" 100,000 oO 106,000 00 100,000 00
50,200 00 61,648 75 60.000 00
7,000 00 7,468 75 7,000 00
100,000 00 102,875 00 100,000 00
800,000 00 809,000 00
- 186,000 00 189,910 00]
1 P<r cent, bonds 66,000 00 <:<;.7li' -"»' » »
I40* a 250,000 00 257,187 50
260, I 250,1
4 par cent, bonds 106,000 00 106,181 25 100,0
(Ml
25,
.ntile Saf. 176 I
■ x \ >j •
72 EQUITABLE LIFE ASSURANCE 'SOCIETY.
Schedule E — Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
United States 6's, 1881, 560,000 00 598,500 00
" 5-20's, 3,540.000 00 3,660,332 50
" 10-40's, 600,000 00 641,250 00
" 4£ per cent, bonds, 300,000 00 310,850 00
" 4 per cent, bonds, 500.000 00 510,812 50
Virginia 6's, 37,986 00 17,470 91
South Carolina 6's 28,750 00 17,250 00
Municipal Bonds : —
City of New York, 1,373,500 00 1,474,250 00
k < Brooklyn, 136,000 00 162,520 00
" Rochester, 50,000 00 58,250 00
" Buffalo 58,382 18 61,009 19
Town of Little Valley, New York, 5,000 00 5,320 83
" Sharon " 11,500 00 11,902 50
" Yonkers " 5,000 00 5,175 00
11 Greenburgh " 8,000 00 8,31145
Bank Stocks : —
Mercantile Trust Co., New York, 1,487,100 00 1,524,277 50
Total, cost value, $9,067,482 38 $8,701,218 18 $9,067,482 38
OIRMANIA LIFK INSURANCE COMPANY. 78
GERMANIA LIFE INSURANCE COMPANY,
New York City.
Commenced Business, July 10, 1866.
Hugo Wbsendoxck, PrtU'dtnt. Cornelius Doremus, Secretary.
Attorney in Conntcticut, Maier Zunder, New Haven.
I. CAPITAL.
Capital stock paid up in cash, $200,000 00
Amount of net or ledger assets December 31, 1876, $7,440,925 32
II. INCOME DU1UNG THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses 1,299,827 11
Cash received for annuities, 800 00
Total premium income, 1,300,627 11
deceived fur interest upon mortgage loans, 389,919 08
Received for interest on bonds owned and divi-
dends on stock 117,612 (10
Received as discount on claims paid in advance,.... 124 83
Received for rents for use of Company's property,. 25,248 86
Policy fees $186.98, Cash dividend returned 06.60, 143 48
Total income, 1,888,676 96
Total, |9 9 874 y 601 28
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 569,282 20
Paid for matured endowments and
additions, 78,966 17
Totel amount actually paid for
looses and matured endowments 649,8)
Cash paid t<> annuitants I <)<>
tor oniTODdotod poHaii 886,461 88
Cash Kurrender . idfi-
tfaMML tppHod in poymeol of ths promtaflM,
Total paid poU .* 1, 167,461. 79
10
74 GERMAN! A LIFE INSURANCE COMPANY.
Paid stockholders for interest and dividends, 24,000 00
Paid for commissions to agents, 104,486 83
Paid for salaries, and traveling expenses of mana-
gers of agencies, and general, special and local
agents, 40,135 27
Paid for medical examiners' fees, 9,419 94
Paid for salaries, and other compensation of of-
ficers and other office employes, 64,519 00
Taxes, licenses, fines and fees in other States, 17,100 54
Paid for rent and expenses of real estate owned,... 24,034 23
Paid for commuting com missions,. 6,230 62
Paid for furniture and fixtures and safes for home
and agency offices,. 642 26
Paid for advertising and printing, 9,198 81
Paid for the following items, viz : — Stationery, post-
age, expressage etc, including increase of agents'
balances, etc. , 17,758 78
Total disbursements, 1,484,988 07
Balance, $7,789,613 21
IV. ASSETS.
AS PEE LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A., 782,527 6C>
Loans on bond and mortgage, (first liens,) 4,790,242 18
Loans secured by pledge of bonds, stocks or other
marketable collaterctls, as per Schedule C, 160,000 00
Cost value of bonds and stocks owned absolutely, as
per Schedule E 1,99.5,577 59
Cash in Company's office, : 593 16
Cash deposited in banks, 60,672 67
Total net or ledger assets, $7,789,613 21
Deduct depreciation from cost of assets, 85,243 39
Total net or ledger assets, less depreciation, $7,704,369 82
OTHER ASSETS.
Interest due and accrued on bond and mort. loans, 60,217 16
Interest accrued on bonds and stocks, 20,263 87
Interest accrued on collateral loans, $375.00, accrued on depos-
its in bank, $95.00, 470 00
Market value of bonds and stocks over cost, as per Schedule E., 5,042 41
Gross premiums due and unreported on policies in
force Dec. 31, 1877, 61,182 79
Gross def. premium on policies in force Dec. 31, '77, 228,292 95
Total, 289,475 74
Deduct the loading on above gross amount, 57,895 15
Net amount of uncollected and deferred premiums, 231,580 59
Total assets, ,,.... $8,021,943 85
QBRMANIA LIFI INSURANCE COMPANY.
v. LlA'dl.l lir.s.
Net present value of all the outstanding policies in foros on the
.-.I-' -;:. oomputo (1 according to the A ituaries 1 or
ibln< l Bxperi of Mortality, with four per oent
interest 7,434,928 00
Claims for death louses due and unpaid 5,866 42
Claims for death losses and matured endowments in
process of adjustment, or adjusted and not due.. 74,167 l'o
Claims for death losses and other policy claims resist-
7,608 97
Icy claims. 87,GJl' 59
Unpaid dividends of surplus, or other description of "profits due
86,619 59
Amount of National, State, or other taxes due, 580 00
Amount due on account of salaries, rents and office expenses, 1,666 <i7
ml of any other liabilities, extra reserve fir absolute world
and war policies, and policies lapsed liable to be surrendered,. 1 1,789 ">l
policyholders' account 7,." ) 7i;,l > -1 86
Gross surplus on policyholders' account, 445,722 1!»
Total liabilities, $8,021,948 85
VII. EXHIBIT OF POLICIES.
Policus and Additions in force at end ofpreoiout year.
Number. Amount
Whole life policies 15, ,885,970 00
Endowment policies, 4,486 6,810,848 00
All other policies, 171 410,000 00
20,296 184,056,818 00
■ <i during t
Number.
life policies 1,011
men! policies 950
All other policies
/ during th< y< <//•.
Number.
11
All o 1
01 p
Amount
1,517,876 00
1,241,416 00
8Il,fi
..it.
jo 00
76
GERMANIA LIFE INSURANCE COMPANY.
Additions by Dividends.
Number.
Whole life policies,...
Endowment policies, .
Total number and amount, 22,346
Deduct policies ceased to be in force, 2,696
Amount.
55,956 00
10,719 00
37,134,487 00
4,317,192 00
Total policies in force at the end of the year,.. ..19,650 $32,817,295 00
Number and amount of policies which have ceased to be in force during the year
Number. Amount,
Bydeath, 342 578,917 00
By expiry, 41 84,074 00
By surrender, 1,258 1,993,108 00
By lapse, 846 1,288,913 00
By change and decrease, 2 25,447 00
Not taken, 207 346,733 00
$4,317,192 00
Total terminated, 2.696
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number.
Policies in force in Connecticut, Dec. 31st 1876 85
Policies which have ceased to be in force during year, 34
Total number and amount in force Dec. 31, '77,. 51
Number.
Losses and claims on policies incurred during year, 1
Losses and claims on policies paid duiing year, 1
Premiums collected,
Amount.
144,708 00
36,733 00
$107,975 00
Amount.
2,000 00
2,000 00
4,628 70
Schedule A — Real Estate owned by the Company.
Real estate in New York City,,.... 399,500 00
'• Brooklyn, 57,500 00
" Hoboken, N. J., 6,000 00
" Berlin, Germany, 234,284 27
Total, $697 284 27
Schedule C — Loans on ^Collaterals.
Par Value. Market Value. Amt. Loaned.
United States 6's, 5-20's, coupon, 127,000 00 130,492 50 127,000 00
" 1881, registered 16,000 00 17,040 00 16,000 00
" " coupon, 17,000 00 18,615 00 17,000 00
Totals, $166,000 00 $166,147 50
1160,000 00
r.KKMAMA LIN LN8URAK0I company. 77
Schedule i: - ; llmrfs aimed htj (he Company.
P.ir V;i!u.-. Mnrkft Vahii'.
I ' B fa >OKS : —
Uixr 1 50, 00 50,61
11, Den Ion 680,000 00 669,260 00
- . registered 160,000 00 167,876 00
10-40*1, registered 87,000 00 105 00
fr-JOe, rag 47,000 00 '•_' 60
1867 188,000 00 192,607 60
1866, coupon 80,000 00 81,660 00
1867, coupon 40, 00 100 00
1868, coupon 6,000 00 5, M
18 I, registered 72,000 00
Virginia - red, old, 16,000 001
*' " new, 16,000 OOJ
Mississippi Auditors' warrant, 0's 10,000 » 00
vkL, Bonds : —
York Cit; .ole 18S0, 113,000 00 116,260 00
l v > 27.000 00 10 00
" 7's accumulated debt, reg. I>s7,. 60,000 00 64,600 00
1885,. 50,000 00 64,000 00
•• Dock, 1001, 60,000 00 00 00
M Improvement stocks, 188'), 50,000 00 65,000 00
• Park end Water, 1900,1902, 75,ooo 00 85,500 00
" Consolidated stock, 1800, .. 100,000 00 114,000 00
New York County. 7's. Assessment fund 1887,... 25,000 00 27,260 00
Brooklyn City 6*8, permanent Water L. 1886 15,000 00 15 600 00
7's. Park Loan, 1915. 1918, 107,000 00 121,980 00
M 7 's. Water Loan, coupon 191 o 28,000 00 81,920 00
9,000 00
Total cost value $1,095,577 50 $1, '.'01,000 00 $2,000,020 00
78 HOME LIFE INSURANCE COMPANY.
HOME LIFE INSURANCE COMPANY,
Brooklyn, N. Y.
Commenced Business, May 1, 18G0.
Geokge C. Bipley, President. Jos. P. Holbkook, Secretar
Attorney in Connecticut, Philip Pond, New Haven.
I. CAPITAL.
Capital stock paid up in cash, $125,000 00
Amount of net or ledger assets December 31, 1876, $4,558,400 40
II. INCOME DUBING THE YEAB.
Beceived for premiums without de-
duction for commissions or other
expenses 434,724 05
Premium notes, loans or liens taken
in part payment for premiums, 135,477 46
Total premium income, '. 570,201.50
Beceived for interest upon mortgage loans, 94,427 93
Beceived for interest on bonds owned and divi-
dends on stock, '. 91,778 00
Beceived for interest on premium notes, loans, or
liens, , 64,649 29
Beceived for interest on other debts due the Co.,. . 18,105 56
Total income during the year, 839,162 29
Total, $5,397,562 69
III. DISBUBSEMENTS DUBING THE YEAB.
Paid for losses and additions, 212,017 32
Premium notes, loans, or liens,
used in payment of same, 15,782 68
Paid for matured endowments and
additions, 38,031 86
Premium notes, loans, or liens, used
in payment of same, 11,968 14
Total amount actually paid
for losses and matured endowments, 277,800 00
HOME LIFK [N8URANOK i\>\il\\\
Paid to annuitants 1,617 17
1 16, 19
Premiam d - of liana ased in pn I
snrrendered policies, ind voided by lapse 182,790
. dividends pan! bo policyholders 81,03
Premium i<>t,s. loans or liena ased in payment of
dividend 88,979 98
.1 paid polioyholdera |648,404 95
Paid stockholders for Interest and dividends 15,000 00
For oommj ts 17. oil r_'
Paid for traveling oagers of
1 local agents,.. l<>.7r.» 40
Paid for medica] ezsminan 2,95(1 60
Paid f and other compensation of officers
and 27,615 lo
Paidf ad fees ::.7^:: :»i
Paid f>>r rent of agencies and agency charges 9,849 .';'.>
I dd for advertising 74<; 83
Paid for the following items ■ Printing, stationery,
lew, postage and office exj I7,75fi 61
kal disbnrsements 868 U
ance Dec. 81, 1877, £4,614,194 55
IV. ASSETS,
AS PER LEDGE P. ACCOUNTS.
aneneumbered, as per Schednle A 192,687 IS
on bond and mortgage, 1,476,566 00
ired b^ pledge of bonds, stocks and other
marketable collaterals, as per Schednle 861,150 I
Premium notes. l«>a: - • in force, 960,470 82
. line <.f i.'.- i >wned absolute]]
perSehednleE 1,547,115 <;<>
:iv's office and bank «i7.71
Agent i 12
Total net or ledger assets #4,61 I. i
est due an 1 on bond and mo -i m
• st due and aceru. 1 on bond- :; ( ;:
Interest due and accnn 1 on < ;; -j~
■■\i-<\ on preminni notes or liens
•)'.•.■_
Grow i
for. 7(
Gross def | fore- D« • 81,1877, 24,12/i II
Dedtu ve gross amount. i
f uncollee'
80 HOME LIFE INSURANCE COMPANY.
ITEMS NOT ADMITTED.
Agents' Balances, 8,489 12
Total, (less items not admitted,) $ 4,778,163 59
V. LIABILITIES.
Net present viilue of all the outstanding policies in
force on the 31st day of Dec. 1877, computed ac-
cording to the Actuaries' or Combined Experi-
ence Table of Mortality, with four per cent, in-
terest, . 3,893,606 00
Claims for death losses in process of adjustment, or adjusted and
not due, 4,500 00
Claims for death losses and other policy claims resisted by the
Company, 13,000 00
Unpaid dividends of surplus or other profits due policyholders... 2,495 52
Liabilities on policyholders' account, 3,913,601 52
Gross surplus on policyholders'account, 864,562 07
Total liabilities, $4,778,163 59
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 31, '76, 1,074,514 72
Received during the year, 135,477 46
Total, 1,209,992 18
Deductions during the year as follows :
Notes, loans or liens used in payment of losses and
claims, 27,750 82
Notes, loans or liens used in purchase of surrendered
policies, and voided by lapse, 132.790 56
Notes, loans or liens used in payment of dividends to
policyholders, 88,979 98
Total reduction of premium note account, 249,521 36
Balance note assets at end of the year, $960,470 82
VII. EXHIBIT OF POLICIES.
Policies and Additions in force at end of previous year.
Number. Amount.
Whole life policies, 8,413 17,047,722 00
Endowment policies, 1,520 2,846,905 00
All other policies, 13 5,000 00
Reversionary additions, 3,117 00
Total number and amount, 9,946 19,902,744 00
DOM I LIPS INSURANCE COMPANY. M
I during th< fear.
Number. Amount.
Whole life policies 711 00
Endowment policies 7."i 118,647 00
All other polioi. 1 1. do
I during i
Numl'iT. Amount.
Whole life polioiaa 7 9,000 <>o
Endowment policiefl .". 4,000 00
Additions by Dividends^
nonary additions 556 00
' Dumber and amount 10,748 21,811,277 00
I number and amount ceased to be in force, 2,818 4,510,870 oo
I number and amount in force Dec. 31, '77,. 8,425 16,800,407 00
/ to be in force during tin fear.
Number. Amount.
By death ll<: 227,800 00
By expiry iM 50,000 00
By surrender. 1,681 8,190.820 00
By lapse. 321 BOO 00
By change and decrease ; 7.l'ik» 00
ken 236 4<;.\7^D 00
Total terminated 2,318 4,510,870 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount,
Policies in f..rc-- in Connecticut, Dec. 31, 187G, 301 663,600 00
Policies issued during the year. 12 26,464 00
: 408 690,064 00
t number and amouut ceased to be in force, l'o' 54,500 on
I number and amount in force Deo. 81, '77,. :;77 <;.;.">. 564 on
Nam Amount.
Losses and . policies unpaid Dec. 31, 187C, 1 00 00
Losses and claims on policies incurred during year, 3 I 00
1 4 11,000 oo
Losses and claims on policies paid during year, 4 11,o<H)00
dmna eoUeoted, il\;.
S<li4<!ill< A—Iteal Entate oick { 7ompanf.
Rea York City 162,400 00
" in Brooklyn. 16,000 oo
in : 6,909 19
in . . N. J
Brooklyn, :
$192,687 13
11
82
HOME LIFE INSURANCE COMPANY.
Schedule C— Loans on Collateral.
Par Value. Market Value. Amt. Loaned.
Brooklyn City R. R. Co., 5,110 00 9,709 00 5,000 00
Nassau National Bank, 2,000 00 2,800 00}
Brooklyn " 1,500 00 1,950 00^- 1,750 00
" City Gas Co., 1,250 00 2,000 Oo)
Union Trust Co 10,000 00 10,500 00) 9 400 00
Home Fire Insurance Co., N. Y., 3,000 00 3,180 00 >
N. Y Gas Co., 2,350 00 2,820 00 2,500 00
Brooklyn Gas Co., 1,200 00 1,920 00)
Nassau Gas Co., Brooklyn, 600 00 450 00 > 2,S00 00
Certif. " " 350 00 350 Oo)
Manufacturers National Bank, 3,000 00 3,060 00 2,000 00
U. S. 5-20's, 2,500 00 2,628 00 2,500 00
Nassau National Bank, Brooklyn, 2,500 00 3,500 00 2,000 00
Central Trust Co., N. Y., 50,000 00 50,000 00)
Reg. Del. & Hudson Canal Co., 50,000 00 47,250 00 )
Brooklyn City Gas Co., 32,100 00 51,360 00\
German American Insurance Co., 5,000 00 5,000 00- 50,000 00
Brooklyn Trust Co., 10,000 CO 8,000 00)
Central Trust Co., , 15,000 00 15,000 00 12,500 00
Shoe and Leather Bank, N. Y., 2,500 00 3,250 00 2,500 00
Home Fire Insurance Co., 12,500 00 13,250 00 10,000 00
Mechanics Bank, Brooklyn, 6,250 00 9,063 00 5,000 00
Central National Bank, N. Y., 90,300 00 90,300 00)
Fourth National Bank. N. Y, 28,500 00 28,500 00) '
Nassau National Bank, Brooklyn, 2,000 00 2,800 00)
Shoe and Leather Bank, N. Y., 2,500 00 3,125 00)
Mechanics Bank, Brooklyn, 2,000 00 2,290 00 2,000 00
Albany & Susquehanna R, R., 4,000 00 4,320 00"]
U. S. Bonds, '67s, 16,500 00 17,346 00 I
" '81s, 10,000 00 10,638 00 [ 39,000 00
Cert. Gold Check, 9,000 00 9,180 00 j
Brooklyn City Bond 1,000 00 1,060 00 1,000 00
" Gas Co., 2,250 00 3,600 00 1,200 00
U. S. Bonds, '67s, 2,000 00 2,103 00 2,000 00
" " 4s, 30,000 00 30,300 00 30,000 00
Total, $418,760 00 $452,602 00 $361,150 00
Schedule E — Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks :—
U. S. 5-20Bonds, 814,000 00 853,065 00
Municipal Bonds : —
Brooklyn Park Bonds, 328,000 00 380.480 00
» City " 180,000 00 190,800 00
Kings County " 156,000 00 169,000 00
Total cost value, $1,547,115 60 $1,478,000 00 $1,593,345 00
BOMCBOPATHIG ICUTUAL LIFE INSURANCE 00,
BOM(EOPATHIC MUTUAL LIFE [NSURANCE COMPANY,
Oommenoed Business, July 18, 18<
D. D. 1 'it. Fbamx J}. Mayiilw, S r r)-(t<wy.
Attorney in I it, Horace Pukdy, Danbury.
I. CAPITAL.
Capital stock paid up in cash, $200,000 00
Amount of net or ledff December 31, 1870, $032,882 24
II. INCOME DU1UNG THE YE.YK.
Keeeived for premiums without de-
ductions for commissions or other
1 72,765 16
Premiums paid by dividends, includ-
ing reconverted additi< •:
by surrendered poll K)7,.. 89,188 68
Total 211,91
Deduct amount paid to other Compa-
nies for re-insurance on poiioJ
Company
Total pri-miuin income 211,846 70
tred for interest upon mortgi 21,499 ~>\
apon bondi owned and divi-
dends on - 1 ;
•
Received for interest on other debts due the Oonv
Keceived f
Total income,
84 HOMOEOPATHIC MUTUAL LIFE IJNiSUKANCE CO.
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 44,550 00
Deduct amount received from other
Companies for losses or claims on
policies of this Company re-insured 8,000 00
Total amount actually paid for
losses and matured endowments, 36,550 00
Paid for surrendered policies, 89,107 19
Cash rebates paid to policyholders, $10,501.97 ;
same applied in payment of prems., $3,770.03 , 14,278 GO
Total paid policyholders, $ 1 39, 935. 79
Paid for commissions to agents, 8,738 17
Paid for salaries and traveling expenses of man-
agers of agencies, and general, special and_local
agents, 27,3G0 59
Paid for medical examiners' fees, 1,615 28
Paid for salaries and other compensation of officers
and office employes, 12,268 00
Paid for State and local taxes in State where organ-
ized, $83.70 ; taxes, licenses, fines and fees in
otherStates, $1,569.59, 1,653 29
Paid for rent, 2,200 00
Paid for commuting commissions, 2,908 76
Paid for advertising, 1,904 36
Paid for the following items : — Printing and sup-
plies $3,781.17, postage and exchange $2,454.23,
expense acct. $5,352.38, other acct. $135.50, 11,723 28
Profit and loss account, 8,992 73
Total disbursements, 219,300 25
Balance, $666,487 34
IV. ASSETS,
AS PEE LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A, 40,651 99
Loans on bond and mortgage (first liens), 322,896 97
Loans secured by pledge of bonds, stocks, or other
marketable collaterals, as per Schedule C, 14,250 00
Loans made in cash to policyholders on this Com-
pany's policies assigned as collateral, 12,230 20
Cost value of stocks and bonds owned absolutely as
per Schedule E, 263,380 62
Cash in Company's office, 240 13
Cash deposited in banks, 12,302 17
Agents' and other ledger balances, 535 26
Total net or ledger assets, $666,487 34
BOMOtOPATHIG MUTUAL LIFI LNBURANOl
nd rod bum u,
Interef I on bonds and ro 88
i on OoUatl r.il loans
Interest eoaraed on praminm notes, loans or liana ] 15 68
d Oompany'a property at
'•;«• «.f bonda and atooka orar ooat, aa par BehsdnL 1,16
inma due and imraported on polioiefl in
9,048 ns
rrad pramroma on polioiefl in faros I
28,588 84
Total 82,476 42
Deduct the loading on abore groaa emoanf 6,495 28
amount of imooUeeted or deferred preinimna g] 14
700,2*
ITEMS NOT ADMITTED.
1 other ledger balances 586 26
Tot not admitted) $699,768 95
V. LIABILITIES.
•sent value of all the outstanding policies in
force Deo. 81, 1877, computed according to the
aries' or Combined Experience Table of Mor-
tality, with four per cent, interest 659,586 00
Deduct net value of risks of this Company re-insur-
ed in other solvent Companies, 2,922 00
re-insurance reserve, 656.614 00
Claims for death losses and matured endowments in
process of adjustment, or adjusted and not (hie 8,014 <»<)
Claims for death losses and other policy claims re-
•d by the' 1,000
|4 QQ
inma paid in ad ;■» is
to guard a- tion of aaaeta, b
amount to conform to appi i of
val a fork Inanranee Department 82,416 :•:»
lilities on poli I j-
.: plus on p«>lic\h<<ld> .
Total Hal :
VII. EXHIBIT OF POLK
••int.
86 HOMCEOPATHIC MUTUAL LIFE INSURANCE CO.
Endowment policies, 763 959,533 00
All other policies, . 80 181,000 00
3,270 5,539,569 00
New Policies issued during the year.
Number. Amount.
Whole life policies, 741 1,232,281 00
Endowment policies, 150 157,289 00
All other policies, 79 150,500 00
Old Policies revived and increased.
Number. Amount.
Whole life policies, 5 8,275 00
Endowment policies, 2 750 00
Total number and amount, 4,247 7,088,664 00
Deduct policies ceased to be in force, 1,290 2,306,644 00
Total policies in force at the end of the year, . ... 2,957 4,782,020 00
Number and amount of Policies which have ceased to be in force during year.
Number. Amount.
By death, 15 39,142 00
By expiry, 19 48,500 00
By surrender, 403 783,709 00
By lapse, 438 662,250 00
By change and decrease, 49 107,066 00
Not taken, 366 665,977 00
Total terminated, 1,290 $2,306,644 00
Policies Re-insured.
Number, Amount.
Whole life policies, 7 28,000 00
Endowment policies, 2 1,846 00
Total, 9 29,846 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount.
Policies in force in Connecticut, Dec. 31, 1876, 392 483,429 00
Policies issued during the year, 65 65,138 00
Total, 457 548,567 00
Deduct number and amount ceased to be in force, as
corrected by removals, 98 126,037 00
Total number and amount in force Dec. 31, '77, 359 422,530 00
Amt. of losses and claims on policies paid during year, 1 1,000 00
Premiums collected. 15,926 77
HOMCBOPATHIC MUTUAL UFl INSURANCE OO. "7
^«*li('«liil<> \ owned ■'■// th* Company.
e in New i'ork City 8,020 00
*• Brooklyn 4,754 77
\ 9tafc other property, 900 00
:;i/'77 22
Total $40,661 99
Schedule C— Loan* on Collateral.
Tar value. Market value. Aint Loaned.
1,000 00 1,076 00 1,000 00
1867 1,000 00 1,076 00 1,000 00
Fifth National bank stork 2,600 00 8,126 00 2,51
:\X Fire Insurance Co 1,000 00 1,800 00 660 00
Hamilton Fire Insur. \ 00 1,710 00)
Whitehill Manufacturing Oo 2,500 00 2,600 00 '• i ' ,,n> (,<)
Positive Motion Loom Co.. 6,000 00 5,000 oo'
Assignment of bond and mortgage, 2,000 00 2,000 00 1,601
Total, - - --» 00 $14,260 00
Schedule M£—btoek$ and Bonds owned by the Company.
• Par Value. Market Value,
Stocks : —
-; ■■'- i46,ooo oo i.").".i5o oo
wrrreney 60,000 00 72,600 00
::ai. BoUM ! —
Town of York, 5,000 00 5,1(
44 Somerset. 14,000 00 14,01
I ' " 11,000 00 11,000 00
•" " 6,600 00 6,6t
Village of Edgewater, -> loo oo 100 00
$3 - (41,70 I <"» $264,52
88 JOHN HANCOCK MUTUAL LIFE INSURANCE CO.
JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY,
Boston, Mass.
Commenced Business, Dec. 27, 1862.
George Thornton, President. George B. Woodward, Secretary.
Attorney in Connecticut, S. E. Baldwin, New Haven.
Amount of net or ledger assets Dec. 31, 1876, $2,608,1)03 37
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses, 236,700 00
Premium notes, loans or liens taken
in part payment for premiums, 45,421 23
Premiums paid by dividends, inclu-
ding re-converted additions, $29,-
635.42 ; by surrendered policies,
$42,486.06, 72,121 48
Total, 354,333 70
Deduct amount paid to other Compa-
nies for re-insurance on policies in
this Company, less $38.50 divi-
dends thereon, 714 57
Total premium income, 353,619 13
Received for interest upon mortgage loans, 03,753 07
Received for interest upon bonds owned and divi-
dends on stocks, 36,028 84
Received for interest on premium notes, loans or
liens, 19,295 30
Received for interest on other debts due the Co.,.. 7,014 17
Received as discount on claims paid in advance,.... 035 04
Received for rents for use of Company's property, 3,572 16
Total income, 515,117 80
Total, $3,184,081 17
JOHN HANCOCK MUTUAL MlK INSURANCE 00,
HI. DISBURSEMENTS DURING THE \ i: a k.
Paid for losses ami additions 189,212
Premium notes, loana or liana need
Uk payment of same, 10,807 71
Paid for matured andowmenta and
addil 77,426 66
Premium notea, loans or Hens oaed
in payment of sama 81,764 s 7
:;tl amount actually paid for
ind matured endowments, 248,714 05
Cash; 1.772 00
far aorrendered polieiea 4,086 74
Premium note*, loans or li--us used in purchase of
aorrendered policies, and voided by lapse 3o,sos ;»;
irren ler values, including reconverted addi-
18, applied in payment of premiums, 42,866 88
Cash dividends paid to policyholders, 98,471.98;
..•■ applied in payment of premium, $29, 266.09, 32, 7.38 02
Premium notes, loans, or liens used in payment of
dividend 18,296 18
. J paid policyholders $879,271.09
Paid for commissions to agents, 22,740 68
Paid for salaries and traveling expenses of man-
agers of agencies and general, special and local
agents 39,066 12
Cash paid for medical examiners' fees, 5,805 90
Paid for salaries and other compensation of officers
and other office employes. 28,570 24
Paid for State and local taxes in State where organ-
ized, $1,1 08, fiueBand fees in
other St . 4,899 82
Paid for rent, (less $2,874.98 received under sub-
leas.. 10,668 70
Paid for furniture and fixtures and safes for home
and agen 618 78
Paid for advertiaing 5,118 65
Paid for the following items : Traveling expenses,
$1,:; .".'-:».7'; : stationery, $1,-
postage, $653.80; legal expenses. $8„
418.19; incidental, >5. 16,728 88
kal disbursements, 512,878 81
Balance, $8,671,709
IV. ASSETS,
AS
Real estate unencumbered 118,621 44
Loans on bona and mortgage, (first liana
L2
90 JOHN HANCOCK MUTUAL LIFE INSURANCE CO.
Loans secured by pledge of bonds, stocks, or other
marketable collaterals, as per Schedule C, 48,050 00
Premium notes, loans or liens on policies in force, 303,404 27
Par value of bonds and stocks owned absolutely,
as per Schedule E 749,500 00
Cash in Company's office 1,127 44
Cash deposited in banks, 15,754 91
Bills receivable, 2,248 81
Agent's ledger balances, 10,235 08
Loans on personal security, , 1,500 00
Commuted commissions, 1,865 91
Total, 2,671,702 86
Deduct depreciation from cost of real estate, 4,263 93
Total net or ledger assets, less depreciation, $2,667,438 93
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, 39,426 09
Interest due and accrued on bonds and stocks, 15,706 92
Interest accrued on collateral loans, 969 98
Interest due and accrued on premium notes, loans, or liens, 11,469 05
Rents due on Company's property, or lease, 1,960 78
Market value of bonds and stocks over par as per Schedule E.,... 28,680 00
Gross premiums due and unreported on policies in
force Dec. 31, 1877, 31,749 58
Gross deferred premiums on policies in force Dec.
31, 1877, 39,075 11
Total, 70,824 69
Deduct the loading on above gross amount, 14,164 94
Net amount of- uncollected and deferred premiums, 56,659 75
Total assets, $2,822,311 50
ITEMS NOT ADMITTED.
Commuted commissions, 1,865 91
Cash advanced to, or in the hands of officers or
agents 4,354 13
Agents' balances, 5,880 95
Loans on personal security, endorsed or not, 1,500 00
Bills receivable, 2,248 81
Total, 15,849 80
Total assets (less items not admitted,) $2,806,461 70
V. LIABILITIES.
Net present value of all the outstanding policies in
force Dec. 31, 1877, computed according to the
Actuaries' or Combined Experience Table of Mor-
tality, with four per cent, interest, 2,514,507 00
JOHN HAN. itai. LIFE ENSURANOE 00, 91
value of ri^ks of this oompany re-lnanr-
■ored in other solvent Companies i. 840 00
Net re-insurance reserve 9,518,167 00
Premium obligations in exoeea of the net value of tht>ir polieii 166 86
Claim* for matured endowment due end unpaid,.. 640 00
Claims for death lossoe in prooeee <>f adjustment, or
adjoeted end not dne 24,866 00
Chums for do.it h losses, aiul other policy claims,
ieted bj the Company 7,715 00
.1 policy claims 83,610 00
Unpaid dividends of surplus, or other description of profits duo
policyholders 11,908 4l
Amount due on account of rent, 1,000 ()()
Premiums paid in advance 1,105 23
Liabilities OD policyholders' account, 2,660,806 90
Gross surplus on policyholders' account, 246,166 80
Total liabilities, $2,80G,4G1 70
VI. PKEMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 31, 70, 311,015 1)8
si ved daring the year, 46,421 23
Total, 38C,4G7 21
Deductions during the year as follows :
. loans, or liens used in payment of losses and
claims o2,07li 01
. loans or liens oaSd in purchase of surrender-
ed policies, and voided by lapse 30, 80S 7( ;
. loans or liens used in payment of dividends
to policyholders 18,296 13
Hens redeemed by maker in cash. . I.sl'O 45
Notes, loans or liens entered in excess of proper
amount and afterwards returned, 58 !»'.»
• .1 reduction of premium note account, 88,062 :»!
Balance note asset* at end of the year ! l'7
VII. LXIIIBIT OF TOLICIKS.
Number. Amount
Whole Hfe potto* 8,779 8,187,688 00
Endov. I
All oth L, 8, 1
92 JOHN HANCOCK MUTUAL LIFE INSURANCE CO.
New Policies issued during the year.
Number, Amount.
Whole life policies, 848 1,629,942 00
Endowment policies, 145 241,905 00
All other policies, 174 588,600 00
Old Policies revived during the year.
Number. Amount.
Whole life polilies, 52 124,500 00
Endowment policies, 13 25,000 00
Total number and amount, 8,570 16,524,126 00
Deduct number and amount ceased to be in force, 1,180 2,226,847 00
Total policies in force at end of the year, 7,390 $14,297,279 00
Number and amount of Policies which have ceased to be in force during year.
Number. Amount.
By death, 62 147,957 00
By expiry, 819 1,410,853 00
Bysurrender, ' 35 61,937 00
By change and decrease, 97 210,000 00
Not taken, 167 396,100 00
Total terminated, 1,180 $2,226,847 00
Policies Re-insured.
Number. Amount.
Whole life policies, 4 30,000 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount.
Policies in force in Connecticut, Dec. 31, 1876 185 240,981 71
Policies issued during the year, 30 49,356 00
Total, 215 290,337 71
Deduct number and amount ceased to be in force, 24 38,240 00
Total number and amount in force Dec. 31, '77, 191 252,097 71
Number, Amount.
Losses and claims on policies paid during year, 2 1,240 00
Premiums collected in cash, $4,767.90 ; notes or credits, $1,322, 6,089 90
Schedule A— Real Estate owned by the Company.
Real estate in Boston, Mass, 75,888 37
Other property in Mass., 17,400 94
New York, 9,577 36
" Indiana, 9,587 51
Other property, 1,167 26
113,621 44
Less depreciation deducted by the Co., 4,263 93
Total, $109,357 51
JOHN HANCOCK MUTUAL LlFI WSURAN
Selicrinle ('- Loam an OoUai&rai.
tine. Ami. Loaned
Wichita & Sooth WeeternB EL7i 7,000 00 i. ■">•"■
Atohiaon, Topeh Fa K. K. 00 5,422 50 10,000 00
" lain! j-rant 7s. 8,000 00 8,44(3 76J
Union Pacific R. K. linking fond Be,.. 25,000 00 22,87/5 00 20,000 00
. K.i;. ;s 1,000 00 1,105 00 800 00
20,600 00 20,600 00 12,000 00
lahoo Oonnl 1880 8,000 00 8,090 00) 4 COO 00
•• 1887, 1,000 00 1,080 <><>>
Atch... To. a Banta FeRR. land grants 1,000 00 816
Pueblo A Arkansas Valley, 1906 1,000 00 820 00 - 1,260 00
V. B 17 100 00 108 25)
Total f68,600 00 $62,765 76 $48,060 00
Schedule E— Stock* and Bondi owned by the Company.
Par Value. Market Value.
State St o c ks :
afasnaohnnetta Gold, 6a 100,000 00 110,000 00
[pal Bonne : —
y«hoga Connty. O.. 7a 10,000 00 10.47.". 00
"ion " In.l.. 7s 10,000 00 10,600 00
City of Lynn 6a I.00O 00 1,066 00
44 M 10,000 00 10,700 00
44 00 8,240 00
44 Salem Gs, 5,000 00 5,400 00
44 1 1,000 00 1,025 00
1,000 00 1,025 00
44 Cambridge 6s 2,000 00 2,140 00
44 Albany 6s, .->.<>< 5,060 00
5,000 00 5,250 00
• Cincinnati 7 8-10f 10,000 00 10,800 00
•• I 00 5,175 00
44 »' 00 50 00
•• < :• . 10,(1(1000 10,560 00
'• Evaatville 7a 6,200 00
• I 7,000 00 7,210 00
15,000 00 15,460 00
11,000 00 J], 770 00
Rui.boai) Bonn : —
Phila., Wilmington A Baltimore reg. 6e, 7,000 7,2*
. ago, Burlington A Qnfau 20,000 00 21,9
nnonJ m OC 1,86
Ogdensbnrg <k Lake Champlain Cm
Illi- 20, I 00
1.:
10 00 00
94 JOHN HANCOCK MUTUAL LIFE INSURANCE CO.
Par Value. Market Value.
Cedar Rapids & Missouri River 7s, 15,000 00 15,187 50
Jackson, Lansing & Saginaw 8s, 10,000 00 9,300 00
Boston & Providence 7s, 25,000 00 28,250 00
Boston & Albany 7's, 75,000 00 86,250 00
Vermont Central 8s 1,000 00 370 00
Boston & Albany G's, 45,000 00 47,925 00
Nashua & Rochester 6s, 25,000 00 23,125 0C
Lowell & Andover 6s, 20,000 00 20,100 00
Notes of Old Colony R. R, 6s, 50,000 00 50,000 00
" Boston & Providence R. R. 7s, 50,000 00 50,000 00
" " '' " 38,000 00 38,000 00
Railroad Stocks : —
Boston & Maine, 5,000 00 4,825 00
Vermont & Canada, 12,000 00 1,800 00
Bank Stocks : —
Tremont National, 5,000 00 5,387 50
New England National, 10,000 00 13,300 00
Continental " 7,000 00 7,000 00
Boylston " 3,500 00 4,130 00
Washington " 10,000 00 13,200 00
Miscellaneous : —
N. E. Mortgage Security Co. 7s, 5,000 00 5,275 00
Boston Gas Light Co. 6s 25,000 00 25,500 00
Newton & Watertown Gas Light Co. 6s, 20,000 00 20,600 00
Total cost value, $771,807 87 $749,500 00 $778,180 00
MANHUTAN l.IKK [N8URAN0K C0MPA1 95
MANHATTAN LIFE [NSURANCB company,
New Yokk City.
I business, August 1. L850.
Hent.y Sro . lent Jacob L. II alsey, 8eCTi tun/.
Att'-rnnj in ' it, EL It. Hayden, East Hartford.
I. CAPITAL.
Capital stock paid up in cash, 9100,000 00
Amount of net or ledger assets December 31, 1876, (9,564,887 75
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses, 1,076,744 04
Premium not or liens taken
in put payment fox premium- B7,078 f>0
Cash received for annuities 5,667 00
Total premium income, 1,169,889 64
Received for interest upon mortgage loans, (in-
cluding 154,275.4 - in cost of real estate,) i .si
Recei and divi-
der 7:;,'J71 61
: on premium notes, loans or
turns, A" 180,888 ">7
'. ana the Com-
pany, temporary loans, 56,685 85
1 .id in advance,
rty,, "> i,\
Recei tota-
allysold
;>ense account.
Total income, I.
Total, ,|.; , ;;
96 MANHATTAN LIFE INSURANCE COMPANY.
III. DISBURSEMENTS DURING THE YEAR,
Paid for losses and additions, 569,768 08
Premium notes, loans or liens used
in payment of the same, 45,770 92
Paid for matured endowments and
additions, 43,989 24
Premium notes, loans or liens used
in payment of the same, 14,124 76
Total amount actually paid for
losses and matured endowments, 673,653 00
Cash paid to annuitants, 5,364 50
Cash paid for surrendered policies 177,136 87
Premium notes, loans, or liens used in purchase of
surrendered policies, and voided by lapse, 161,561 74
Cash dividends paid to policyholders and applied
in payment of premiums, 271,260 81
Premium notes, loans or liens used in payment of
dividends to policyholders, 19,177 61
Total paid policyholders $1,308,154.53
Paid stockholders for interest and dividends, 55,000 00
Paid for commissions to agents, 102,055 85
Paid for salaries, and traveling expenses of mana-
gers of agencies, and general, special and local
agents, 9,806 73
Paid for medical examiners' fees, 8,182 00
Paid for salaries, and other compensation of of-
ficers and other office employes,. 70,930 27
Taxes, licenses, fines and fees in other States. 15,987 01
Paid for rent, 14,500 00
Paid for commuting commissions, 272 58
Cash advanced to Agents to be repaid out of
future commissions,.... 1,270 24
Cash paid for advertising, 12,204 86
Cash paid for law, agency and office expenses, 19,645 80
Cash paid for expenses on real estate, 29,430 24
Reductions in assets reported last year, 15,801 80
Total disbursements, 1,663,241 94
Balance, $9,682,501 09
IV. ASSETS,
AS PER LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A., 780,555 25
Loans on bond and mortgage, (first liens.) 4,339,168 77
Loans secured by pledge of bonds, stocks or other
marketable collaterals, as per Schedule C. , 1,181,076 21
MANHATTAN LIFE INSURANCE COMPANY, ( .»7
b or liens on poUoiea In force,. 1,889,818 99
' . Joe of boi i absolutely, as
per I.2i
Gash u I 10
I deposited in banks 2ft,5?8 7;J
i . l ; i 85
il net or I 9,682,601 09
Deduct depreciation from oost of iaaeta 41,681 n
rassecs, leas depreciation 9,640,919 ir>
OTHEll ASSETS.
» and accrued on bond and mortgage loans, 197,966 '.»<
Inten 4,168 16
Interest doe and acoraed on oollateral loans, 12,816 62
Inten i premium] as or liens 9,865 97
duo and acoraed on Oompany'a property, or lease 38 31
Ins and unreported on policies In
fort ,1877 95,881 60
leferred premiums on policies in foroe Doc 81,
1-77 92,197 GG
1 187,529 1G
Deduct lingonaboi amount, 46,882 29
mount of uncollected and deferred premiums 140,G4G 87
290 85
$10,006,756 07
V. LIABILITIES.
Net pres en t value of all the outstanding policies in force on the
.list day of D imputed according to the Actuaries' or
i kble of Mortality, with four per cent.
6,461,191 oo
CBaifl 0d unpaid, awaiting ap-
unaul 868 89
Claims for d I matured endowments In
process of adjustment, or adjusted and not due. . 170,608 00
losses and other policy claims r
51,162 oo
tioj alaJflM
wnrphu, or other description of protits duo
po!
11,0
J......' d poUejfaolderi' tccoant
Mssurplai at, l.-Mi.:
98 MANHATTAN LIFE INSURANCE COMPANY.
Estimated surplus accrued on Tontine or other poli-
cies, the profits upon which are especially reserved
for that class of policies, 13,929 49
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 31, '76, 2,014,314 28
Received during the year, 87,078 00
Total, 2,101,392 88
Deductions during the year as follows :
Notes, loans or liens used in payment of losses and
claims, 59,895 68
Notes, loans or liens used in purchase of surrendered
policies, and voided by lapse, 161.561 74
Notes, loans or liens used in payment of dividends to
policyholders, 19,177 61
Notes, loans or liens redeemed by maker in cash, 8,181 25
Notes, loans or liens in hands of agents for collection 13,257 61
Total reduction of premium note account, 262,073 89
Balance note assets at end of the year, $1,839,318 99
VII. EXHIBIT OF POLICIES.
Policies and Additions in force at end of previous year.
Number. Amount.
Whole life policies, 11,052 35,391,742 00
Endowment policies,... 1,517 3,345,046 00
All other policies, 45 105,365 00
Reversionary additions, 116,955 00
12,014 38,959,108 00
New Policies issued during the year.
Number. Amount.
Whole life policies, 1,117 2,689,036 00
Endowment policies, 144 316,843 00
Additions by Dividends.
Reversionary additions, 3,241 00
Total number and amount, 13,875 41,968,228 00
Deduct policies ceased to be in force, 1,844 5,649,679 00
Total policies in force at the end of the year,.. ..12,031 $36,318,549 00
v^O,
MANHATTAN LIFE INSURANCE COMPANY
99
n mount ofpoUdet whieh 1 ' to i>< in form durin
Number. Amount,
th 801 616,
By maturity 26 114 CO
Bj surrender B60 2,558,427 00
By purenaae 286 728,561 00
Byehange to paid up policies 882 1.17'.'. 7:59 00
Not taken 189 ,299 00
.1 terminated 1,844 |5,6 19,679 00
schedule A /.' owned by tlu Company,
Real estate in New York City 618,086 97
Brooklyn 47,064 90
New York, other property, 115,458 38
Total, $780 555 25
Schedule C — Loans on Collateral*.
Tar. Value. Market Value. Ami Loaned.
Citizens Fire Insurance Co 8,100 00 14,985 00 4,000 00
Broadway Bank 4,500 00 9,046 00 5,000 00
Peoples Bank 2,500 00 3,150 00 2,500 00
8d Avenue R It. bond 1,000 00 l,(»l() 00 750 00
Lake Shor, K. B 50,000 00 30,500 00) v 50 000 00
N. Y. Central A: Hudson Riv. It R.,. 30,000 00 31,875 00>
LakeShoreR.lt., 100,000 00 61,000 00 50,000 00
rn Union, 150,000 00 115,875 00)
N. Y. Central & Hudson ltiv. R. R.,. 6 1,000 00 68,750 00 150,000 00
Lake Shore R. B 10,000 <><> 6,100 OOJ
United & -20 bonds 14,000 00 14,770 001 „. ,„
- J).OOlJ iii)
Harlem preferred, 10,400 00 14,872 OOJ
United- ::ds 1,000 00 1,056 00) 1 800 00
Panama EL B l,00( 1,260 OOJ
N. Y. Central* Hudson Riv. R. R., 50,000 00 58,125 00 40,000 00
20,000 00 21,250 00 16,(
: a Gas Co., 00 5,000 00
Lake Shore h. m li I 00 M) 00 7,000 00
tral ft Endaon ltiv. K. r... 60,000 00 68,750 00) ,;-,„,, (l0
90,000 00 69,520 00)
tral A Hudson ltiv. R. it... 20,000 00 21,250 00 17,000 00
Merchants Exchange 1 100 744 00)
1,500 2,010 38 17
I 00 8,217 •
I. - mott bond, 270, 00 275,40 I 00
Lake Shore i:. B . 10,000 6,100
l.o 10
100
MANHATTAN LIFE INSURANCE COMPANY,
Peoples Bank, 2,500 00 3,150 ()0\
Manhattan Co., 4,450 00 6,052 00- 9,882 00
Bank of Commerce, 2,000 00 2,540 OO)
Western Union, 400,000 00 309,000 00 260,000 00
New York City Kev. bonds, 200,000 00 200,000 00 200,000 00
Westchester Town bonds, 6,000 00 6,240 00"|
Westchester County bonds, 15,000 00 15,900 00 I
Butchers & Drovers Bank, 26.625 00 28,755 00 j* 54,000 00
Citizens Bank, 18,750 00 20,250 OOj
Harlem preferred, 15,000 00 21,450 00 £ 15 06104
N. Y. Guarantee & Indemnity Co.,... 1,000 00 1,000 00 >
N. Y. Central & Hudson Riv. R. R.,. 150,000 00 159,375 00)
Harlem common, 49,500 00 70,166 25- 200,000 00
N. Y., N. H. & Hartford R. R 20,000 00 30,700 00 )
N. Y., N. II. & Hartford R. R., 27,500 00 42,212 50 30,000 00
Harlem R. R., common, 3,000 00 4,252 50 3,500 00
Shoe & Leather Bank, 17,500 00 21,000 00 17,500 00
Brooklyn Gas Co., 5,500 00 9,075 00 6,000 00
Erie Long Dock bonds 2,000 00 2,200 00 1,800 00
Citizens Bank, 9,750 00 10,530 00| n 000 00
8th Avenue R. R., 3,400 00 5,440 00>
3d Avenue R. R., 10,000 00 13,000 00) 12 800 00
Citizens Bank, 2,500 00 2,700 00)
N. Y. National Exchange Bank, 2,900 00 2,784 00 2,500 00
Metropolitan Gas Co., 1,500 00 1,995 00 1,500 00
Total, $1,983,975 00 $1,895,843 25 $1,481,076 21
Schedule E — Stocks and Bonds owned by the Company.
Par Value. Market Value.
tJ. S. and State Stocks : —
United States 6's, coupon, 1881, 75,550 00 82,916 12
" 5's, registered 1881, 100,000 00 105,500 00
" 5-20's, coupon, 486,500 00 523,700 63
" 4's, registered, 250,000 00 252,812 50
Virginia State consolidated debt, 6, 600 00 3, 762 00
" deferred debt, 13,300 00 731 50
Municipal Bonds : —
N. Y. City Soldiers Bounty Fund Redemption bd. 8,700 00 9,222 00
Brooklyn Public Park Loan, 100,000 00 116,500 00
Westchester County, New York, 62,000 00 65,720 00
Bank Stocks : —
Bank of Commerce, New York, 5,000 00 6,250 00
Total cost value, $1,208,695 89 $1,107,650 00 $1,167,114 75
is MUTUAL 1.IKK IN8U RANGE 00. L01
MASSACHUSETTS MUTUAL LIFE [NSURANCE COMPANY,
Srr.iNorn i.i>, V
Oonmeneed BonineaB, AiigtisI I, 1861.
v.. W, Bond, P tidenL Atxbt J. Smith, Secretary.
Attorney \ A. II. Bond, Hartford.
Amount of not or ledger assets December 31, 1876, $6,036,722 56
II. INCOME DURING THE YEAR
B red for premiums without de-
ion for commissions or other
expenses G24,4S7 30
Premium notes, loans or liens taken
in put payment for premiums 171,0">3 71
Premiums pai 1 by divides
444.96; bj surrendered poli
$84,511.20 168,956 16
Total, 964,497 17
Deduct amount paid to other Compa-
iranoe on policl
6, 108 17
Total premium income, 958,094 00
Received f<-r interest upon mortgage and oollai
aad and <li vi-
89,086 96
Receive. 1 for Interest <>n preminm i is, or
,912 18
Received a I in advan 1,6
red for rani rty,.
n 64
1
102 MASSACHUSETTS MUTUAL LIFE INSURANCE CO.
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 385,803 31
Premium notes, loans, or liens,
used in payment, of same, 12,314 98
Paid for matured endowments and
additions,. 87,131 72
Premium notes, loans or liens, used
in payment of same, 14,5G3 28
Total amount actually paid
for losses and matured endowments, 449,813 29
Paid for surrendered policies, 30,509 45
Premium notes, loans or liens used in purchase of
surrendered policies, and voided by lapse, includ-
ing $4,016.42 interest, 116,630 87
Cash surrender values applied in payment of pre-
miums, $84,511.20; interest, $1,131.94, 85,643 14
Cash dividends paid to policyholders, $20,144.41 ;
same applied in payment of prems.,. 84,444.96 ;
and for interest on premium notes, 7,157.76; 111,747 13
Premium notes, loans or liens used in payment of
dividends to policyholders, 109,142 80
Total paid policyholders, $909,486 68
Paid for commissions to agents, 55,237 43
Paid for 'salaries and traveling expenses of managers
of agencies, and general, special and local agents, 59,066 89
Paid for medical examiners' fees 5,054 00
Paid for salaries and other compensation of officers
and other office employes, 38,883 25
Paid for taxes, licenses, fines and fees, 14,866 66
Paid for rent. .* 9,381 13
Paid for furniture and fixtures and safes for home
and agency offices, 50 00
Cash paid for advertising and printing, 6,828 62
Paid for the following items : Postage, stationery,
law, loss, &c, 21,630 11
Profit and loss — difference between cost and pres-
ent value of real estate, $160,580.50 ; railroad
bonds, $26,339.49 ; other items, $11,616.15, 198,536 14
Total disbursements, , 1,319,020 91
Balance Dec. 31, 1877, $5,997,314 49
IV. ASSETS,
AS PER LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A 511,258 00
Loans on bond and mortgage, (first liens),., 3,598,880 30
Loans secured by pledge of bonds, stocks and other
marketable collaterals, as per Schedule C, 216,323 51
UA88A0HU8ETTS MUTUAL LIPS INBU RANGE G 108
mads in oaah to policyholder! «>n tins 0om«
panv's polioiM ^lateral :'.7. •'.'."'
Premium cotes, Loads or liens on polioiei in force,
- ;.i7, U-ss > , J. , .'t>7..".>, notfs ijiven for re-
iranoe 810,969 ">'.►
. due of bonds and stooki owned absolutely, as
BehedoleE 678,960 90
in Oompsny's office, , 10,847 26
Cash in transit, ainoa iviviwil 84,806
Geeh deposited in banks 98,000 06
Bills leoeivahlfl : 08
.1 5,997,814 41)
Dednoi poanibVn depreciation from cost of assets,... u:;.'_':>i 90
Total oel or ledger assets $5,884,060 59
OTHl
Interest due ami accrued on bond and mortgage loans, 178, 100 77
Interest seemed on bonds snd stocks, •;.;;;:> :::;
Interest accrued on collateral loans 1,872 22
Interest due and accrued on premium notes or liens 27,818 V S
roed on Company's property or lease 1,46$
Gross premiums due ami unreported on policies in
force Dee. 81,1877 68,860 98
Gross del prms. on policies in force Dec. 81, 1877, 99,692 OS
Total, 168,042 96
Deduct 20 per cent, on above gross amount, 32,008 59
amount of uncollected and deferred premiums, 130,434 37
Furniture, fixtures and safes "),:557 96
Cash in hands of agents (secured), 17,898 04
Total assets, 6,251,245 49
ITEMS NOT ADMITTED.
Furniture, fixtures and safes, 5,857 96
I Is of agents 17,898 04
Dills Receivable,
d, 27,887 03
Total, (less items not admitted. I -
V. LIABILITIES.
resent value of all the outstanding policies in
Lai day of Dec. 1877, oompnted ac-
cording to the Combined Experi-
ence Table of Mortality, with four per cent, in-
ter.
Deduct net value of rial in-
sured in 28,221
.:.snrance reserve, 5.677.1!
lOi MASSACHUSETTS MUTUAL LIFE INSURANCE CO.
Claims for death losses in process of adjustment, or adjusted and
not due > 77,236 00
Claims for death losses and other policy claims resisted by the
Company, including resisted losses of previous years, 57 369 00
Unpaid dividends of surplus or other profits due policyholders... 20 417 29
Premiums paid in advance, 2 246 79
Liabilities on policyholders' account, 5,834 407 08
Gross surplus on policyholders' account, 389 001 38
Total liabilities, $6,223,408 46
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 31, '76,.. 897,141 35
Received during the year, 171,053 71
For note of previous year, 30 00
Total, 1,068,225 06
Deductions during the year as follows :
Notes, loans or liens used in payment of losses and
claims 26,878 26
Notes, loans or liens used in payment of surrender-
ed policies and voided by lapse, 112,614 45
Notes, loans or liens used in payment of dividends
to policyholders, 109,142 80
Notes, loans or liens redeemed by maker in cash,... 5,481 07
" " " by premiums, 241 31
" " " given for re-insurance, 2,907 58
Total reduction of premium note account, 257,265 47
Balance note assets at the end of the year, $810,959 59
VII. EXHIBIT OF POLICIES.
Policies and Additions in force at end of previous year.
Number. Amount.
Whole life policies, 9,148 22,895,575 00
Endowment policies, 2,635 4,608,343 00
All other policies, 2,675 6,299,545 00
Total number and amount, 14,458 33,803,463 00
New Policies issued during the year.
Number. Amount.
Whole life policies, 904 2,334,540 00
Endowment policies, 316 635,364 00
All other policies, 63 131,000 00
Old Policies revived during the year.
Number. Amount.
Whole life policies, 6 13,000 00
MASSACHUSETTS KUTUAL LIFI INSURANCE l 106
' during th. fmr.
Endowment polioiM 100 <><>
J number md amount, 15,747
Deduct nnmbex and amount oeeeed t<> be In foroa 1,764 K) 00
Total number ami amount in force Dee. SI, '77,. 18,988 $81,872,1 I
H I '<> hi in force during the year.
Number. Amount.
By death ami maturity SOI 490,9
| lry (114 1,803, 900 00
By surrender 370 1,048,862 00
Bj lapse, 304 972,788 00
By change and decrease, 1 201,1 :)*',:> 00
.ken 211 602,650 00
Total terminated 1,704 $5,046,820 00
Policies re-insured 244,995 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount,
Policies in force in Connecticut, Dec. 31, 187G, 416 792,982 00
Polieies issued during the year. 38 84,840 00
Total 454 877,822 00
Deduct number and amount ceased to be in force, 44 92,970 00
Total number and amount in force Dec. 21, '77,. 410 7o4, 8
Number. Amount.
Losses and claims on policies unpaid Dec. 31, 187G, 3 9,100 00
Losses and claims on policies incurred during year, 7 12,37<> 00
10 21,470 00
Losses and claims on policies paid during year 9 17.970 00
Premiums collected in c; T\ notes or credits.
$7,-- • 30,02(1 18
*<li<'dnl«' A ■--/! esj K state owned by the Company.
Real estate in Springfield, Mass., Co.'s building,... 12"»,000
M other property,. 188,400
17,000
nnecticut, T>,500
Indiana,
lieago, 111 11.150
:: i \
1!
106 MASSACHUSETTS MUTUAL LIFE INSURANCE CO.
Schedule C— Loans on Collateral.
Par Value. Market Value. Arnt. Loaned ,
Springfield Gas Light Co., 1,900 00 2,375 00 1,900 00
Union Paper Manufacturing Co 1,500 00 1,500 00 1,500 00
Cocheco National Bank, Dover, N. H., 3,000 00 3.180 00 3,000 00
Hampden Paint and Chemical Co., 5,100 00 8,500 00 7,000 00
United States Bond, 500 00 525 00 500 00
Union Paper Manufacturing Co., 15,000 00 15,000 00 10,000 00
Pynchon National Bank, 2,500 00 4,125 00 2,500 00
Union Paper Manufacturing Co., 2,000 00 2,000 00)_ g 00Q - QQ
Worthy Paper Co 5,000 00 5,000 00 )
.Etna Fire Insurance Co., 2,000 00 4,280 00^ 3 400 00
N. Y., N. H. & Hartford R. R.. 1,400 00 2,156 OuJ
Chicago & Illinois River R. R. Co., 45,000 00 22,500 00)^ 3Q 000 0Q
. and an assignment of judgment, 15,000 00 15,000 00^
Farmers & Mechs. Nat. Bank, Hart.,.. 1,900 00 2,090 00 1,500 00
^tna " " 600 00 708 00 550 00
Phoenix " " 500 00 740 00 375 00
Pynchon " Springfield, 1,300 00 2,145 00 j
John Hancock " " 500 00 600 00 > 5,000 00
Leicester " Leicester,.. 800 00 960 00 )
N. Y., N. H. & Hartford R. R., 3,800 00 5,852 00 5,000 00
Council Bluffs & St. Joe R. R., 8,000 00 7,600 00)
Kansas City, St. Joe & C. Bluffs R. R., 5,000 00 3,800 00^- 10,000 00
" " " 300 00 228 0o)
Pettis County, Missouri, 1,000 00 1,000 00 798 51
Cocheco National Bank, Dover, N. H.,. 10,000 00 10,600 00 10,000 00
Union Paper Manufacturing Co., 45,500 00 45,500 00 40,000 00
" " " 15,000 00 15,000 00>
Kansas City, St. Joe & C. Bluffs R. R., 30,000 00 22,800 00 J
Union Paper Manufacturing Co., . 4,000 00 4,000 00 2,700 00
Kansas City, St. Joe & C. Bluffs R. R., 59,000 00 44,840 00 84,000 00
N. Y., N. H. & Hartford R. R., 2,500 00 3,850 00)
National New Haven Bank, 1,000 00 1,500 00 >- 5.100 00
Boston & Albany R. R., 1,000 00 1,245 00 )
Note of Kernan Smith with two good
sureties, # 4,000 00
Total, $292,600 00 $266,199 Oo $216,323 51
Schedule E — Stocks and Bonds owned by the Company.
Par Value. Market Vauel.
U. S. Stocks : —
United States 6's, 1881, 50,000 00 54,750 00
" 5-20's, 1867, re«., 97,700 00 102,829 25
" " 1865, " 51,000 00 52,402 50
« " 1867, " 8,000 00 8,420 00
" 6's, 1881, coupons, 50,000 00 54,750 00
«• " reg., 50,000 00 53,250 00
> 32,500 00
I)
MASSACHUSETTS miitai, ijfk IN8URAN0E I 107
Par Vain.-. Mark.t Value.
Mrsieir.u. Bome : —
City of Springfield, 8,000 00 8,180 00
1 : —
tnoil BlutT B 68,000 00 58,10
St. Lmk AH m A Tern Haute, 81.600 00 84,800 00
Buffalo, New York A Brie, 10,000 00 10,600 <><>
Ka- • 86,000 00 18,000 00
Indianapolis, Bloomington A Westers 40,000 00 12,000 00
Burlington. Oedai Bapida A Northern, 8,000 <»o m 00
Kai 1 K. B.andaorip 18,000 00 4,000 00
kS Stocks : —
•on A- Albany 68,600 00 86,81
N. Y., N. H. A Hartford 8,900 oo 16,846 00
K. Y. Central A- Hudson Hirer 10,000 00 10,G50 00
Chicago A: Kock Islam] 10,000 00 10,060 00
Burlington, Cedar Rapids & Northern, 7,000 00 1,060 00
Bank Stock -
Agawani National, Springfield, 5 no 00 GOO 00
Pynehon 2.000 00 3,300 00
12,400 00 10,120 00
Second
Chicopee
John Hancock
8,100 00 14,17.". oo
3,500 00 5.42.-. oo
1,000 00 1.200 00
Fir>t National. Chicopee 2,400 00 3,480 00
" Northampton, 3,40<i 00 4,668 00
Eliot " Boston, 1,600 00 1,050 00
■er ** " 2,500 00 2,626 00
Mercl.- M 1.500 00 1,980 00
Bk. of Com. " 4,700 00 32 00
Metropolitan National Bank, New York, 3,800 00 1,940 00
Total cost value. $678,960 20 $648,900 00 $680,496 26
108 METROPOLITAN LIFE INSURANCE COMPANY.
METROPOLITAN LIFE INSURANCE COMPANY,
New Yoke: City.
Commenced Business June, 1867.
Joseph F. Knapp, President. John R. Hegeman, Vice-President & Sec'y.
Attorney in Connecticut, J. W. Bacon, New Haven.
I. CAPITAL.
Capital stock paid up in cash, $200,000 00
Amount of net or ledger assets December 31, 1876, 1,918,975 72
Decrease of same during the year by profit and loss
account U2.437 84
Extended at, $1,776,537
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses, 615,579 12
Premium notes, loans or liens taken
in part payment for premiums, 122,114 16
Total, 737,693 28
Deduct amount paid to other Compa-
nies for re-insurance on policies in
this Company 563 67
Total premium income, 737,129 61
Received for interest upon mortgage loans, 39,068 85
Received for interest upon bonds owned and divi-
dends on stocks, 22,350 95
Received for interest on premium notes, loans, or
liens, 16,755 06
Received for interest on other debts due the Com-
pany, 2,120 40
Received for rents for use of Company's property,. 26,718 96
Total income, 844,143 83
Total, $2,620,681 71
H1TK0P0LITAH UFK INSURANCE COMPANY.
III. DB3BUB8EMENT8 DUBING THE 7EAB
Taid for losses ami additions 208,] 1 I
Premium n used
In payment of theaame, i 14
Paid for matured endowmenta and
additions, o 19
Premium notes, loana or lieu
in payment of the same NS 81
Total 215,558 00
Paid for aarrendered policies 195,194 L8
Premiam aotea, loans or none need in parehaee of
surrendered policies, and voided by lapse 1 70, 72»> 66
Cash dividends paid to policyholders, same applied
in payment of premiums 16, 117 00
I paid polioyholderi 1597,691.14
Paid for commissions to agents, 70,834 27
Paid for salaries and traveling expenses of man-
agers of agencies, and 'general, special and local
agents ! 7,568 57
Pail for medical examiners' fees -l' K)
Paid f tthei compensation of officers
and office employes, .'}:>, 017 06
te taxes and revenue stamps,
•s and fees in other
12,338 23
Taid for rent, branch offices 11,471 78
Paid for advertising and subscription, $7,410.62 ;
Bonery and printing, $6,224.79; directors
and committees, $1,000.00, 14,685 41
for the following items : — Legal fees, $10,-
182.54 : expense account and all other items,
1 25,440 18
Total disbursements, 778,178 71
Balance, $1,842,507 97
IV.
AS PB : >T8.
• state unencumbered, a. per Bohedule A 274,691 06
Loans on bond and mortgage first liens) 707,200 <">
Loans secured by pledge of bonds, stocks, or other
marketable collate 66,468
Hens on poiioiee in force. 811,609 ."»i
Par value ol md bonds i
415,000 '»"
; n Company's office,
l".:':'l 81
Agents' an i Iger balanoee, 88,421 70
I tal net or ledg'
110 METROPOLITAN LIFE INSURANCE COMPANY.
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, 14,825 51
Interest accrued on bonds and stocks 2 480 21
Interest accrued on premium notes, loans or liens, 761 66
Rents accrued on Company's property or lease, 1,504 57
Market value of real estate over cost, as per Schedule A., 18,308 94
Market value of bonds and stocks over par , as per Schedtile E, 36,680 00
Gross premiums due and unreported on policies in
force Dec. 31, 1877, 131,512 68
Gross deferred premiums on policies in force Dec.
31, 1877, 148,406 46
Total, 279,919 14
Deduct the loading on above gross amount, 55,983 .83
Net amount of uncollected or deferred premimus, 223,935 31
Total assets, 2,141,004 17
ITEMS NOT ADMITTED.
Furniture, fixtures, and safes, 7,224 61
Commuted commissions, 10,663 69
Agents' balances, 35,533 40
Total, 53,421 70
Total assets, (less items not admitted), $2,087,582 47
V. LIABILITIES.
Net present value of all the outstanding policies in force Dec. 31,
1877, computed according to the Actuaries' or Combined Ex-
perience Table of Mortality, with four per cent, interest, _ 1,719,541 00
Premium obligations in excess of the net value of their policies,.
Claims for death losses due and unpaid, ,
Claims for matured endowments due and unpaid,
Claims for death losses and matured endowments, in process of \ 73,843 00
adjustment, or adjusted and not due
Claims for death losses, and other policy claims, resisted by the Co.
Amount due and unpaid on annuity claims, % J
Deferred and unpaid premiums, and premium liens in excess of
Unpaid dividends due policyholders, 471 00
reserve, $57,472.00; premiums paid in advance, $22,138.26 ;
all other items of liability, $11,350.00, 90,960 26
Liabilities on policyholders' account, 1,884,815 26
Gross surplus on policyholders' account, 202,767 21
Total liabilities, $2,087,582 47
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 31, '76, 365,689 26
Received during the year, 122,114 16
Total 487,803 42
KETROPOLITAN LIFE INSURANCE company. Ill
P I '' ii during the year a$f< 4iowt:
v . loans or | ::i payment i>f losses umi
claims,
loans or liana uaed in pnxonaee of surrendered
:ul roidodbj lapee, and uaed in payment
of divui' lioyholdera 170,721; 66
ToiaJ redaction of px e mhu n note aoooanfl 176,298 :ii
Balance note assets at end of the year £.51 l.:>i<!i ;,[
VII. EXHIBIT OF POLICIES.
PoL Addition* in force at the aid of tin protiOMi fear.
Number. Amount
Whole life policies 16,049 28,164,878 00
Endowment policies 1,441 1,044,707 00
All other policies 18 14,679 00
17,508 84,228,764 00
- Policies toned during the year.
Number. Amount.
Whole life policies, 2,199 2,186,895 00
Endowment policies 78 86,816 00
Old Policies recited and inoreoeetL
Number. Amount.
Whole life policies, U6 211, 000 00
Endowment policies, 12 9,281 00
Total number and amonnt, 10,913 26,616,206 00
Deduct policies ceased to be in force 7,963 10,078,892 00
Total policies in force at the end of the year, . ...11,960 16,536,81 l 1
■id amov ihich "home Mated to bt in force during %
Number. Amount
By death and maturity. 175
render 1,628 1,689,665 00
5,711 7,484.027 00
By change and decrease, 188
Not taken 371 717 00
Total terminated, 7,968 $10,078,892 0(1
VIII. B1 i\ CONNECTICUT IN
Nub 'int.
Policies in I ■maotioat, 1876 1.897,704 00
Policies issued during the 17
1,4
Dedu< • aaaad to be Infaroe
Total numb.-r and amount in f 61, '77, 124
112 METROPOLITAN LIFE INSURANCE COMPANY.
Amt. of losses and claims unpaid Dec. 31, 1870, 1 5,000 00
Losses and claims on policies incurred during year, 4 15,000 00
Total, 5 20,000 00
Amt. of losses and claims on policies paid during year, 5 20,000 00
Premiums collected, cash, notes or credits, 31,517 66
ScliedMie A.— Real Estate owned by the Company.
Real Estate in New York City, 275,000 00
in Brooklyn, N. Y., 18,000 00
Total, $293,000 00
Schedule C — Loans on Collateral.
Par value. Market value. Amt Loaned.
Brooklyn, N. Y , Bonds, 58,00C 00 68,440 00 66,463 82
ScHaediile E— btocks and Bonds owned by the Company.
Par Value. Market Value,
U. S. 'Stocks : —
United States Bonds, Pacifies, 20,000 00) „ n . A ™
' > 20,9o0 00
2,000 00)
5-20's, 1,000 00 1,055 00
10,000 00 10,850 00
" 4's, 25,000 00 25,687 50
" " 25,000 00 25,687 50
4^'s, 100,000 00 103,500 00
Municipal Bonds : —
Gowanus Canal Improvement, 1,000 00 1,050 00
Brooklyn Public Park, 15,000 00-v
" " " 10,000 00s- 38,940 00
" 8,000 00)
Ocean Park Way Improvement, 25,000 00 27,625 00
Peekskill Water, 25,000 00 28,000 00
City of Rochester Water Loan, 38,000 00 42,560 00
Consolidated Stock, New York City, 25,000 00 25,375 00
Rochester City, 35,000 0O s 5Q 4Q0 0Q
" 10,000 00)
Lockport City, 25,000 00) u QQ0 0Q
" " 15,000 00)
Total $415,000 00 $451,680 00
MUTUAL LIFK INSURANCE COMPANY. 113
MUTUAL LIFK INSURANCE COMPANY,
Ni.w York City.
Commenced Business, Feb. 1, 1843.
F. S. Wins Isaac F. Lloyd, Secretary.
Att<~,rn<>i in CbfUHflfi'fliif, J. W. Nichols, New Haven.
Amount of net or ledger assets Dec. 31, 1870, $79,520,900 87
II. INCOME DUKING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses 14,013,143 34
Received for annuities, 17,010 07
Totel premium income, 14,030,153 41
Received for interest upon mortgage loans, 3,990,315 77
Received for interest upon bonds owned and divi-
dends on stocks 7G8.251 85
Received for interest on other debts due the Co.,... 45,383 45
Received for rents for use of Company's property, 59,851 88
Received for profits on bonds, stocks, or gold actu-
ally sold 18,504 37
Total income, 18,912,400 73
Total,.. $98,439,301 00
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 3,034,910 27
Paid for matured endowments and
additions, 1,077,389 90
Total amount actually paid for
losses and matured endowment**, 4,712,.'i<>0 17
Cash paid to annuitant*, 81,
Cash paid for surrendered policies and additions,...
15
114 MUTUAL LIFE 1NSUKANCE COMPANY.
Cash dividends paid to policyholders, 3,568,161 57
Total paid policyholders, $13,949,100.48
Paid for commissions to agents, 379,873 93
Cash paid for medical examiners' fees, 38,821 38
Paid for salaries and other compensation of officers
and other office employes, 389,679 86
Paid for State and local taxes in State where organ-
ized, $23,676.15; taxes, licenses, fines and fees
in other States, $215,292.10, 238,968 25
Paid for rent, 1 6,000 00
Paid for commuting commissions, 223,328 23
Paid for advertising, 73,069 79
Paid for the following items : Exchange and post-
age, $53,089.71, law, $47, 301. 41, printing and sta-
tionery, $67,621.64, contingent guarantee account
$494,918.71, miscellaneous, $121,909.91 , 784,841 41
Total disbursements, 16,083,683 33
Balance $82,355,678 27
IV. ASSETS,
AS PEE LEDGER ACCOUNTS.
Eeal estate unencumbered, as per Schedule A., 5,725,035 05
Loans on bona and mortgage, (first liens), 58,152,733 88
Cost value of bonds and stocks owned absolutely,
as per Schedule E 16,676,200 81
Cash in Company's office and banks, 1,701,622 87
Cash in transit Dec. 31, 1877, since received, 67,969 92
Agent's ledger balances, 32,115 14
Total net or ledger assets, $82,355,678 27
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, ) 1 ,on *,,- qo
Interest due and accrued on bonds and stocks, )
Market value of bonds and stocks over cost as per Schedule E.,.. 233,410 36
Gross premiums, due and unreported on policies in
force Dec. 31, 1877, 153,768 13
Gross deferred premiums on policies in force Dec.
31, 1877, 851,813 52
Total, 1,005,581 65
Deduct the loading on above gross amount, 251,395 41
Net amount of uncollected and deferred premiums, 754,186 24
Total assets, , $84,781,922 79
ITEMS NOT ADMITTED.
Agents' balances, 32,115 14
Total assets (less items not admitted,) $84,749,807 65
MUTUAL LIFE INSURANOK COMPANY, L15
v. LIABILITIES.
Hofpreeenl value of all the outstanding polioiet In
(brae Deo, 81, 1877, oompnted looording t<> the
Aotnixies'oz Combined Experience Tabic of Mor-
tality, with four per cent, inl 78,885,116 <>o
Claims for death losses duo and unpaid 47,988 <><>
Claims lor death loaeeaand matured endowments In
prooea^f adjustment, or adjusted and not due,., 488,849 00
Claims for death loOBSO, and other policy claims,
resisted by the Oompany 148,188 00
1 tal p-'licy claims 682,988 00
Premiums paid in advance L? 1 7, ."><; 1 00
Liabilities on policyholders' account, 79,485,600 00
Gross surplus on policyholders' account 5,264,207 66
Total liabilities, $84,749,807 65
Estimated surplus accrued on Tontine or other pol-
icies, the profits upon which pre especially re-
served for that class of policies, 97,085 00
VII. EXHIBIT OF POLICIES.
Policies in force at end of precious year.
Number. Amount.
Whole life policies 74,047 281,288,539 00
Endowment policies, 17,943 1 1,731,501 no
All other policies, 135 151,875 00
92,125 276,171,915 00
d during th> year.
Number, Amount.
Whole life policies 6,562 15,500,220 00
Endowmeir l 2,106,680 00
All other policies 1 1,00
Old P 0d during the fear.
Number. Amount
Whole life polilies 745 8,448,990 00
Endowment policies 169 10 00
Add I * :> dendt in form Dec 81, 1877.
Number. .int.
life policies L'l..
8,416,149 00
Allot. 19,915 00
100,619 891,71
Deduct onmber and •
m tores at end of Jti
116 MUTUAL LIFE INSURANCE COMPANY.
Number and amount of Policies which have ceased to be in force during year.
Number. Amount.
By death, 938 3,075,700 00
By expiry, (matured), 328 919,714 00
Bysurrender, 4,807 15,258,092 00
By lapse, 2,350 5,899,830 00
By decrease, 218,435 00
Not taken, 643 1,909,875 00
Total terminated 9,066 $27,281,646 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount.
Policies in force in Connecticut, Dec. 31, 1876 3,733 9,344,113 00
Policies issued during the year, 245 545,225 00
Total, 3,978 9,889,338^00
Deduct number and amount ceased to be in force, 306 909,925 00
Total number and amount in force Dec. 31, '77, 3,672 8,979,413 00
Number, Amount.
Amt. of losses and claims on policies unpaid Dec. 31, '76 4 10,298 00
Amt. of losses and claims incurred during year...... 37 102,346 00
Total, 41 112,644 00
Losses and claims on policies paid during year, 34 103,330 00
Prems. collected in cash, 335,638 83
Schedule A — Heal Estate owned by the Company.
Real estate in New York City, 1,000,000 00
" Philadelphia, Pa., 847,953 71
" Boston, Mass., 1,296,897 01
" purchased under foreclosure,.. 2,580,184 93
Total, $5,725,035 65
Schedule E — Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. and State Stocks : —
United States 6s, 1881, 2,525,550 00 2,696,024 62
" Funded 5s, 2,050,000 00 2,160,187 50
< k 10-40S, 5s, 50.000 00 53J375 00
" Funded 4£s, 2,200,000 00 2,277,000 00
" 5-20S, 6s, 500,000 00 527,500 00
District of Columbia 3-65s, 1,148,000 00 872,480 00
Missouri 6s, 215,000 00 230,587 50
MUTUAL I. UK INSIRANCK COMPANY. 117
r.ir 7ataa Kirkat Valna
160,000 00 164,260 00
1 600,000 00 680,000 00
Mr\it nwi B I
Cherry Valley 7s 60,000 00 L5 96
I : ".•-:- 118,000 00 188,274
v a V.»rk City ami County 7s 2,406,000 00 2,608,000 00
Buffalo 7s 140,600 00 160,408 40
Elnnra 7s 66,000 00 67,680 80
■ton Water 6l 1,000,000 00 1,096,000 00
B Francisco to, 680,000 00 881,241 00
Providence 6a 600,000 00 682,600 00
Union County, New Jersey, 7's, 64,000 00 '77 00
N Plaiutield, 7's 6,600 00 6,600 00
Indianapolis (Time Warrants,) 800,000 00 300,000 00
Brooklyn Brid 200,00000 210,000 00
" City, 5's, 100,000 00 100,000 00
11 Park, 7's, 691,000 00 801,r,G0 00
City, 7's, 9S,000 00 107,300 00
Newark, New Jersey, 7's 500,000 00 541,750 00
Brunswick. New Jersey, 7s G,500 00 0.717 60
Middlesex County. New Jersey, 7's, .".000 00 5,550 00
Total cost value, $1G,G76,200 81 $16,158,050 00 $16,900,011 17
118 MUTUAL BENEFIT LIFE INSURANCE COMPANY.
MUTUAL BENEFIT LIFE INSURANCE COMPANY,
Newaek, N. J.
Commenced Business, April,* 1845.
Lewis C. Geoveb, President Edwabd A. Stbong, Secretary.
Attorney in Connecticut, A. W. Day, Hartford.
Amount of net or ledger assets December 31, 1876, $31,317,821 48
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses, 4,328,751 49
Premium notes, loans or liens taken
in part payment for premiums, 177,716 50
Cash received for annuities, 1,847 80
Total premium income, 4,508,315 79
Received for interest upon mortgage loans, 779,523 55
Received for interest on bonds owned, 875,691 74
Received for interest on premium notes, loans or
liens, 347,242 09
Cash discount on claims paid in advance, 3,183 73
Received for rents for use of Company's property,. 3,031 25
Received for profit on bonds, stocks, or gold actu-
ally sold, 4,178 94
# Total, 6,521,167 09
Deduct for premium on U. S. bonds purchased dur-
ing the year, 314,203 76
Total income, 6,206,963 33
Total, $37,524,784 81
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 1,809,042 59
Premium notes, loans or liens used
in payment of the same, 111,965 37
MUTUAL BENEFIT I. IKK INSURANCE COMPANY. L19
Tjiiil for matured endowments and
additions 90,784
Premium notea, loans or liana need
in payment of Um aamc 18,800 17
Total amount actually paid for
looaoo and matured andowmenta 2,025,042 96
paid to lannuitunts 8,718 ."'i>
I paid for nrrandaied policial 802,879 17
Premium notea, loans, or liens need in purchase of
■orrendered poUoiea, and Toided l>y lapee 802,867 28
Qaah dividends paid to polioyholdera and applied
inpayment of premiums 1,468,480 02
Premium notes, loans or liens used in payment of
dividends to polioyholdera 86,984 72
Total paid policyholders $4,678,972.95
Paid for commissions to agents 1? '. » : I , ' 1 1 1 7<>
Paid for salaries, and traveling expenses of mana-
gers of agencies, and general, special and local
agents 8,000 00
Taid for medical examiners' fees, 25,289 17
Paid for salaries, and other compensation of of-
ficers and other office employes,. 88,751 B9
lines and fees in other States. 62,686 'i'l
Paid for furniture and fixtures and safe for home
office 8,240 77
Cash paid for advertising, printing, legal expenses,
postage, exchange Ac 105,708 62
Deficiency and expense in foreclosure sales, 16, I4S 00
Total disbursements, 5,272,654 85
Balance, $82,252,129 96
IV. ASSETS,
as raa uDom aoooi
• unencumbered, as per Schedule A 1_".>1.::7l
on bond end mortgage, (first liana,) 12,410,094 09
. loans or llena on policies in force.. 5,810,178 64
Par value of boo | absolute!
laic E 18,561,1 11 7;;
Cash in Company's office | 08
Cash'. :n banks 559,91fi
I in transit, since received 78,907
Agents' ledger balances I
82,^52 :
Interest due and accrued on I I
120 MUTUAL BENEFIT LIFE INSUKANCE COMPANY.
Interest accrued on premium notes, loans or liens, (estimated,).. 132,750 00
Market value of bonds and stocks over par, as per
Schedule E., 1,203,128 75
Gross premiums due and unreported on policies in
force Dec. 31, 1877, 92,780 34
Gross deferred premiums on policies in force Dec. 31,
1877, 119,947 60
Total, ; 212,727 94
Deduct the loading on above gross amount, 42,545 59
Net amount of uncollected and deferred premiums, 170,182 35
Total assets, 34,342,411 G5
ITEMS NOT ADMITTED.
Agents' balances, 43,366 79
Total assets, (less items not admitted,) $34,299,044 86
V. LIABILITIES.
Net present value of all the outstanding policies in force on the
31st day of Dec. 1877, computed according to the Actuaries' or
Combined Experience Table of Mortality, with four per cent,
interest, 30,033,687 00
Claims for death losses and matured endowments in
process of adjustment, or adjusted and not due. . 443,151 00
Claims for death losses and other policy claims resist-
ed by the Company, 50,000 00
Total policy claims, 493,151 00
Unpaid dividends of surplus, or other description of profits due
policyholders, 206,207 16
Premiums paid in advance, 16,195 95
Liabilities on policyholders' account 30,749,241 11
Gross surplus on policyholders' account, 3,549,803 75
Total liabilities, $34,299,044 86
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 31, '76, 5,647,079 98
Received during the year, 177,716 50
Total, 5,824,796 48
Deductions during the year as follows :
Notes, loans, or liens used in payment of losses and
claims, 125,265 84
Notes, loans or liens used in purchase of surrender-
ed policies, and voided by lapse, 302,367 28
Notes, loans or liens used in payment of dividends
to policyholders, 86,984 72
Total reduction of premium note account, 514,617 84
Balance note assets at end of the year, $5,310,178 64
MUTUAL HKNKK1T L1KK LN8U HANOI COMPANY, 1 '_M
vii. EXHIBIT OF POLICIES.
i mid Additiont in feree mi end ofpreeiouegear.
Number. Amount
Whole Life politico, :{:>,«>'.>8 188,430,979 00
Endowment poUoioi 3,271 8,287,906 00
All other policies ..- 132.200 00
48,807 181,846,986 (K)
- Policies iesued during the year,
Number. Amount.
Whole life policies. 8,982 6,248,490 00
Endowment policies 223 000,565 00
All other policies, 8 18,500 00
Old PoUcisi revived during the gear.
Number. Amoont.
Whole life policies, 48 110,906 <>>
Endowment policies, 3 8, 750 00
Old Petieiet inoreaeed during tin gear.
Number. Amount.
Whole life policies 4 24,680 00
Endowment policies, 2 5.000 00
Total number and amount, 46,677 188 B63,876 00
Deduct policies ceased to be in force, 3,781 12,670,831 00
Total policies in force at the end of the year,.... 12,7'JO $120,103,015 00
-V m her and amount of policies which have cea&ed to he in force during the year.
Number. Amount,
Bydeath 521 1,728,266 00
By exiry. 86 104,536 00
By surrender 619 1,895,077 00
By laps*, l,27o 8,258,737 00
By change and decrease 1,091 6,050,8 1 1 (to
Not taken 242 75 (to
Total terminated, 8,781 tt2,ft7<»,Kttl Ml
VIII BUSDIESS IN OONNEOTiaUI IN 1877.
Number. Amount.
Policies in I one In ObnneotiooA, I>- ~ r > 818 2,1
Polici' ,;I ] ] - ' '
1177 2,226,462 I
Deduct number and I 11,; ,l( '
.1 number and amount in foTOI EX •. 81, '77,. 911
122 MUTUAL BKNEF1T LIFE INSURANCE COMPANY.
Number. Amount.
Losses and claims on policies unpaid Dec. 31, '76, 15.000 00
Losses and claims on policies incurred during year, 27,(500 00
Total, 42,600 00
Losses and claims on policies paid during year, 40,600 00
Premiums collected , 38,571 86
S^hestMle A— Real Estate owned by the Company.
Ileal Estate in Newark. N. J., $294,:172 23
Sehedsi'c E — Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States bonds, 6 per cents., 5,011,500 00 5,606,633 75
Municipal Bomds : —
City of Brooklyn, N. Y., 65,000 00 69,875 00
•' Newark, N J., 3,390,000 00 3,729.000 00
" Elizabeth, N. J., 550,000 00 550,000 00
" Kahway, N. J., 97,000 00 97,000 00
11 Utica, N. Y., 115,000 00 145,000 00
" Springfield, Illinois, 89,000 00 89,000 00
" Orange, New Jersey, 80,000 00 80,000 00
" Auburn, New York, 150,000 00 150,000 00
'• Jersey City, New Jersey 50,000 00 54,000 00
«' Dayton, Ohio, 130,000 00 130,000 00
" Cleveland, Ohio, 566,500 00 611,820 00
" New Brunswick, New Jersey, 14,000 00 14,000 00
" Erie, Pennsylvania, 152,000 00 152,000 00
k ' Toledo, Ohio, 173,000 00 173,000 00
" South Bend, Indiana, 61,500 00 61,500 00
" Lafayette, Indiana, 160,000 00 160,000 00
" Sandusky, Ohio, 100,000 0C 100,000 00
" Dover, New Jersey, 16,000 00 16,000 00
Essex County, New Jersey, 2,148,000 00 2,362,800 00
Union County, New Jersey, 132,000 00 132,000 00
West Orange Township, New Jersey, '. 123,000 00 123,000 00
East 4i " 146,841 73 146,841 73
Miscellaneous : —
Annuity bond' State of Massachusetts, 800,00 800 00
Total,,..., $13,551,141 73 $14,754,270 48
NEW YOKK I.IIK LN8URANCE COMPANY. L2S
NEW YORK LIFE [NSURANCE COMPANY,
: V.
Wn.i i.\M ii. Bxbbs, Actuary.
AU '. .John Twzedy, Danbury.
or ledger i ember 31, 1876 $31,872,611
II. INCOME DUMNG THE IEAB.
■ v premiums -without de-
ion for ooi or other
5,547,664 21
Premium n iken
in part payment for premiums 19,692 61
Oaah l r annuities 226,602 40
Total. 5,793,94
Deduct amount paid to other Compa-
on polici
71,685 13
Total premium 5,722,264 09
1,015,609 65
Recei . aid divi-
de I 81
. loans, or
r>7,7**»7 52
Received for interest on oil 'lie Com-
pit: -4 r. . : i • > 7 ii
pertj,. 61,50
:.
III. DISBUUSEMEN I'S D! RING 'Hi
i
in payment of same,
12± NEW YORK LIFE INSURANCE COMPANY.
Paid for matured endowments and
additions, 184,760 54
Premium notes, loans or liens, used
in payment of same, 399 58
Total, 1,869,788 51
Deduct amount received from other
Companies for losses or claims on
policies of this Company re-insured 46,500 00
Total amount actually paid
for losses and matured endowments, 1,823,288 51
Cash paid to annuitants, 122,633 73
Paid for surrendered policies, : 928,100 76
Premium notes, loans or liens used in purchase of
surrendered policies, and voided by lapse, 52,810 85
Cash dividends paid to policyholders, 1,420,546 87
Premium notes, loans or liens used in payment of
dividends to policyholders, 20,388 88
Total paid policyholders, $4,367,769.60
Paid for commissions to agents, 358,861 34
Paid for salaries and traveling expenses of managers
of agencies, and general, special and local agents,
(estimated,) 50,000 00
Paid for medical examiners' fees, 38,512 97
Paid for salaries and other compensation of officers
and other office employes, 180,347 05
Taxes, licenses, fines and fees &c, 59,697 58
Cash paid for advertising, 81,835 56
Paid for the following items : Office, law and
agency expenses, 263,297 43
Reduction of premiums on U. S. stock,.. 211,112 72
Reduction on other stocks, 12,030 00
Deducted for any possible loss by depreciation in
value of real estate, 250.000 00
Total disbursements, ■ 5,873,464 25
Balance Dec. 31, 1877, $33,573,537 31
IV. ASSETS,
AS PER LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A, 3,600,268 07
Loans on bond and mortgage, (first liens), 15,379,202 23
Premium notes, loans or liens on policies in force, 695,234 74
Cost value of bonds and stocks owned absolutely, as
per Schedule E, 12,875,584 69
Cash in Company's office and deposited in banks,
and in course of transmission, all of which has
since been received and deposited in New York
banks, 1,216,301 61
Agent's ledger balances, 56,945 97
Total, 33,823,537 31
nkw Yokk 1.1 M 1K8UKAKCB COMPANY, L25
Deducted for any p. ssible loss by depreciation "f
real estate or bonds en I mortgagee as per vala*
stfons made by appraisers of insurance Depart-
ment, $218,093.96; further dedaotion made l>y
Company Cor additional security, 181,906.04 850,000 00
d net or 1 ts, #88,678,687 61
OTHKK ISS] is.
Interest due and accrued on bond and mortgage loans, 222, 1 17 58
Interest due and accrued on bonds and stooks, 80,986 17
Interest dne and seemed on premium notes or liens 22,640 M
- due and aooruod on Company's property or lease 9,970 81
Market value of bonds and stocks over cost, as per
Schedule E 504,846 64
premiums due and unreported on policies in
force Doe. 81,1877 167, US 37
I def. prins. on policies in force Dec. 81, 1877, 896,289 26
Total 668,472 68
Deduct loading on above gross amount 1 12,694 68
Net amount of uncollected and deferred premiums, 460,778 10
Total assets 84,844,566 40
ITEMS NOT ADMITTED.
Agents' 1 >alances. 56,946 97
Total, assets (less items not admitted,) $84,787,610 43
V. LIABILITIES.
Net present value of all the outstanding policies in
force on the Blat day of Dec. 1877, computed ac-
cording to the Actuaries' or Combined Experi-
ence Table of Mortality, with four per cent, in-
terest 80,609,524 DO
Deduct net value of risks of this company re-in-
sured in other solvent companies, 165,414 00
■ re-insurance reserve, 80,844,110 00
Chums for death losses and matured endowment in process of ad-
justment, or adjusted and not due, 117-
Claims for death losses and other policy claims resisted by the
' Company 48, li
Premiums paid in advance, 17,420 91
policyholders' account
Gross surplus oo policyholders 1 eocoont 8,965,112 20
ml liabilities $84,787,6iq 4:;
I raiplos seorned on li-
. which are especially res.
for that class of policies, | 82
126 NEW FORK LIFE INSURANCE COMPANY.
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 31, '76,.. 781,585 39
Received during the year, 19,092 61
Total, 801,278 00
Deductions during the year as follows :
Notes, loans or liens used in payment of losses and
claims, 17,723 09
Notes, loans or liens used in payment of surrender-
ed policies and voided by lapse, 52,810 85
Notes, loans or liens used in payment of dividends
to policyholders, 20,388 88
Notes, loans or liens redeemed by maker in cash,... 15,120 41
Total reduction of premium note account, 106,043 26
Balance note assets at the end of the year,... $695,234 74
VII. EXHIBIT OF POLICIES.
Policies and Additions in force at end of previous year.
Number. Amount.
Whole life policies, including joint-life, 36,437 105,441,392 00
Endowment policies, 8,728 20,051,534 00
All other policies, 256 77,590 00
Reversionary additions, 2,177,957 00
Total number and amount, 45,421 127,748,473 00
New Policies issued during the year.
Number. Amount.
Whole life policies, including joint-life, : 5,175 14,852,003 00
Endowment policies, 1,219 3,613,237 00
All other policies, 136 25,500 00
Old Policies revived during the year.
Number. Amount.
Whole life policies, including joint-life, 64 188,730 00
Endowment policies, 3 3,500 00
Old Policies increased during the year.
Number. Amount.
Whole life policies, including joint-life, 27,500 00
Endowment policies, 38, 737 00
Additions by Dividends.
Reversiooary additions, 1 ,407,432* 00
Total number and amount, 52,018 147,905,112 00
Deduct number and amount ceased to be in force, 6,413 20,003,225 00
Total number and amount in force Dec. 31, '77, .45,605 $127,901,887 00
JTORK I. ill' IN8UKAN0K COMPANY. 127
ret during tht
Amount
1,949 12 00
By U] i : D oo
ken, 710 M <<»
d terminated 6,418 120,003,2-2.') «<i
Polieiea re-inanred 294 2,254,49.5 00
vm. BUSINESS IX CONNECTICUT IX
Numl Amount,
i "it. Deo. ••'•:, 1876 '.'71 l,911),42"i 00
taring the year ;: >15 00
: 1,018 -2jnv2.:;\i) mi
t number and amount eea 77 200,4
md amount in for :e I '• v. 81, '77.. 941 1,81 l,9(
Number. Amount.
id Dee. 81, 1876 I <;. 129 00
Losses and incurred daring year, 11 24,507 00
: 16 81,026 '■<•
Losses and claims on |)i)lici.s paid during year l."i
ioms ooUeoted 48,104 92
Schedule A — // my.
. City 8,12
in x - 66,619 <)1
in Brooklyn, X. V 18,878 22
i:i i X. .1 182,746 50
44 in v '•. -1 71,127 I
in State "f X. .1.. 128,
in Washington, I). 18,820 29
ScheeUilc i:
U : —
..
I
no no
■'■ II . B
128 NEW YOHK LIFE INSURANCE COMPANY,
Par Value. Market Valne.
U. S. newo's, , 500,000 00 526,250 00
" 5-20's, 1867, 500,000 00 526,250 00
" " coupon, 1,004,000 00 1,057,965 00
" 10-40's, 60.000 00 63.300 00
" 10-40's coupon, 120,000 00 128,550 00
" 4's, coupon, 500,n00 00 507,500 00
Georgia, 3,500 00 3,780 00
Alabama, 48,000 00 20,400 00
South Carolina, 28,750 06 15,812 50
Mississippi Warrants, -. 20,000 00 20,000 00
Missouri, 100,000 00 104,000 00
Tennessee, . 20,000 00 7,600 00
Municipal Bonds : —
East Chester, 31,000 00 31,665 00
Brooklyn City, 1,551.000 00 1,691,730 00
Flushing Water, 80,000 00 80,000 00
Jersey City, 524,000 00 553,830 00
Yonkers Town, 175,000 00 190,850 00
New York City and County, 2,775,000 00 2,977,122 50
Newark City, 277.000 00 300 975 00
City of Richmond 50.000 00 59,000 00
Buffalo, 115,000 00 126,500 00
Railroad Bonds : —
New York Central & Hudson River, 1,000,000 00 1,182,500 00
" and Harlem, 1,000.000 00 1,178,333 33
Rensselaer and Saratoga, 9,000 00 10,035 00
Bank Stocks : —
Merchants, 14,000 00 15,960 00
Bank of America, 7,700 00 10,626 00
Bank of the Republic 1,100 00 935 00
American Exchange Bank, 10,000 00 10,600 00
Metropolitan, 3,700 00 4,736 00
Miscellaneous : —
Delaware & Hudson Canal stock, 61,000 00 33,680 00
»< " " bonds 250,000 00 250,000 00
Total cost value, $12,875,584 69 $12,366,750 00 $13,379,930 33
NORTHW KS1KKN MUTUAL LIF1 INSURANCE CO. 129
NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY.
Mn.w.u ki r, \Vi>.
Commenced Business Nov. 25, 1868.
II. S. Palmer, rrcnirfcnt. Willabd Mekuill, Stcretdry.
Attorney in Connecticut, H. W. Lyon, Bridgeport.
Amount of net or ledger assets December 31, 1876, $17,177,137 54
It. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expensps. 1,41)1, Oil") 39
Premium notes, loans or liens taken
in part payment for premiums 523,472 24
Premiums paid by dividends, includ-
ing reconverted additions, $203,-
741.21 : by surrendered policies,
t98.18S.61, 27G,873 72
Total premium income 2,292,341 86
Received for interest upon mortgage loans, 1,070,679 93
Received for interest upon bonds owned and divi-
dends on stocks 27,102 54
Received for interest on premium notes, loans, or
liens 276,520 41
Received for interest on other debts due the Com-
pany, including interest on deposits on deferred
premiums, 36,970 18
Received as discount on claims paid in advance,... 20 80
Received for rents for use of Company's property,. 7,4ftl '.H)
Total income, 1,711,067 11
tal 1*0,81
III. DI8BUB8EMEHTS DUBUKJ THE YEAR.
Paid fur loMtl and additions 710,188
an notes, loans or 1;
in payment of the same 515,6 15 81
17
130 NORTHWESTERN MUTUAL LIFE INSURANCE CO.
Paid for matured endowments and
additions, 320, 453 93.
Premium notes, loans or liens used
in payment of the same, 98,242'03
Total.amount actually paid tfor
losses and matured endowments, 1,182,580 82
Paid for surrendered policies,... 401,710 92
Premium notes, loans or liens used in purchase of
surrendered policies, and voided by lapse, 353,497 15
Cash surrender values, including reconverted addi-
tions, applied in payment of premiums, 74,151 84
Cash dividends paid to policyholders, $59,226.92 ;
same applied in payment of premiums, interest
and tax, $253,679.54, 312,906 46
Premium notes, loans, or liens used in payment of
dividends to policyholders 566,820 38
Total paid policyholders, $2, 891 , 667. 57
Paid for commissions to agents, 145,571 22
Paid for salaries and traveling expenses of man-
agers of agencies, and general, special and local
agents, 46,584 36
Paid for medical examiners' fees, 10,141 43
Paid for salaries and other compensation of officers
and office employes, 109,763 33
State and local taxes and fees in State where organ-
ized, $8,124.27 ; taxes, licenses, fines and fees
in other States, $32,870,47, (deducted from divi-
dends, $15,826.61), 25,168 13
Paid for rent, less $518. 00 received under sub-lease 9,514 64
Paid for commuting commissions, 13,520 00
Paid for furniture and fixtures and safes for home
and agency offices, 1,417 89
Paid for advertising, 13,259 16
Paid for the following items: — Supplies and ex-
press, $13,906.35, law, loan and claim expenses,
and official examinations and appraisals, $43,'
201.99, pay and expenses of trustees and execu-
tive committee, $8,293.82, postage and exchange
$15,707.88, other expenses, $8,773.70, 89,883 74
Debit balance profit and loss, 14,979 85
Total disbursements, 3,371,471 32
Balance, .$17,516,753 33
IV. ASSETS,
AS PER LEDGER ACCOUNTS.
Real estate unencumbered, as per Sched-
ule A, 935,942 45
Less depreciation charged to profit and
loss last year, „..,,,. 67,752 87 868,189 58
NOKTHWKSTKKN HUTUAL LIFE INSURANCE 00. LSI
bob bond and mortgage (Aral Inns) 19,808,262 v :'.
Premium noftea, lomna 01 lieni on policies in f 2,958 89
Ootl vhIiio of storks ami bonda owned abaolntelj aa
Sehednla E 782,716 L5
Cash in Company's offles, including - : of
:. in transmission, received Jan. 1st and 10th, 106,482 <;•_»
Cash deposited in banks 166,196 99
Bills receivable 14,761 M
Agents' ledger balances, (54,981.21; other lodger
.nets, Si».7i:>.0-J 57.696 23
Office furniture at h>ss than half cost, 7,500 00
Total, [17,516,758 33
Deduct depreciation from cost of assets, 189,828 00
Total net or ledger assets, less depreciation, 17,827,425 88
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, 4 7'.'. 727 90
Interest accrued on bonds and stocks 16,824 67
Interest due and accrued on premium notes, loans or liens, 118,!>o4 11
ka accrued on Company's property or lease 39") 84
Market value of bonds and stocks over cost, as per Schedule E, 20,371 02
Gross premiums due and unreported on policies in
force Dec. 31. 1877, 81,973 00
lef erred premiums on policies in force Dec.
1877, 219,987 25
Total, 301,910 25
Deduct the loading on above gross amount, 75,477 55
Net amount of uncollected or deferred premiums, 226,482 70
Total assets, 18,190,081 57
ITEMS NOT ADMITTED.
Furniture, fixtures, and safes, 7,500 00
Agents' balances, 54,981 21
Bills receivable 14,761 54
Total, 77,248 75
Total assets, (less items not admitted) (18,112,888 82
V. LIABILITIES.
resent value of all the outstanding policial in force Deo. 81,
1877, computed according to the Actu. tries' or Combined Ex-
perience Table of Mortality, with four per cent, interest 16,147,605 "<>
Claims ftps death loSBSI and mntured endowments in
ess of adjustment, or adjusted and not due,... 1 '
Claims for death losses and other policy chums re-
si »t«d by the Company, 48,500 00
Total policy claii 198,7
132 NORTHWESTERN MUTUAL LIFE INSURANCE CO.
Unpaid dividends of surplus, or other description of profits due
policyholders, (estimated), , 5,000 00
Premiums paid in advance $14,885.29, accrued commissions, es-
timated $2,500.00, reserve on lapsed policie i entitled to paid up
insurance, $15,322.00, 32,707 29
Liabilities on policyholders' account, 15,384,020 38
Gross surplus on policyholders' account, 2,728,818 44
Total liabilities, $18,112,838 82
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on hand Dec. 31, '76, 3,825,551 16
Received during the'year for premiums, $523,-
472.24, for interest, $13,898,64 537,370 88
t Total, 4,362,922 04
Deductions during the year as folloics :
Notes, loans or liens used in payment of losses and
claims 151,887 87
Notes, loans or liens used in purchase of surrendered
policies, and voided by lapse, 353,497 15
Notes, loans or liens used in payment of dividends
to policyholders, 566,820 38
Notes, loans or liens redeemed by maker in cash,... 27,758 25
Total reduction of premium note account, 1,099,963 65
Balance note assets at end of the year $3,262,958 39
VII. EXHIBIT OF POLICIES.
Policies and Additions in force at the end of the previous year.
Number. Amount.
Whole life policies, 26,985 53,026,057 00
Endowment policies, 8,781 12,941,093 00
All other policies, 690 1,526,041 00
36,456 67,493,191 00
New Policies issued during the year.
Number. Amount
Whole life policies, 3,149 7,021,763 00
Endowment policies, 376 605,370 00
All other policies, 125 232,409 00
Old Policies revived during the year.
Number. Amount.
Whole life policies, 327 738,463 00
Endowment policies, 81 125,047 00
All other policies, 5 6,000 00
BTOBTHWnmRN KUTUAL L1FI [N8UBAN0I CO. 133
Policist in ring thi year.
Number. Amount.
Whole lift pottetoo, '■'■)
Endowment policies 11 2,4
All other poMoilj 1'
Additions by Dirid*
Number. Amount.
Whole life policies, 24,160 00
Endowment policies 7, l.'»7 00
All other policies 503,166 00
Total number and amount 40,684 76,769,466 00
Deduct policies ceased to be in force 6,768 12,842,608 00
Total policies in force at the end of the year 34,766 64,416,847 00
Number and amount of Policies which have ceased to be in force during year.
Number. Amount.
By death, : 878 719,441 00
By expiry 828 ,88? 00
By surrender 1,466 8, 592, 674 <>0
By lapse 3,1'J6 6,785,877 00
By change and decrease, 610,867 00
Not taken. 420 1,065,462 00
Total terminated, 5,768 $12,342,608 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount.
Policies in force in Connecticut, Dec. 31, 1876, 41 102,935 00
Policies issued during the year, 41 93,000 00
Total 82 196,986 00
Deduct number and amount ceased to be in force,.... 11 81,846 00
Total number and amount in force Dec. 31, '77, 71 164,090 00
Amt. of losses and claims on policies paid during year, 1 900 00
Premiums collected in cash, 3,013 36
Schedule A — Heal Estate owned by the Chmpanp.
Real estate in Milwaukee, Wis., Co.'h building 260,000 00
Wwonsin, other property,
1 12,608 56
Kentucky, 52,01
Iowa 3,066 84
ign 22,421 84
•
Chicago, 111. 101,021 11
Illinois, other property
134 NORTHWESTERN MUTUAL LIFE INSURANCE CO.
Real estate in Ohio, 61,909 34
'* Nebraska, 15,927 45
" Minnesota, ,. 9,223 85
*♦ Indiana, 32,565 78
Total, $868,189 58
Schedule JE — btocks and Bonds owned by the Company.
Par Value. Market Value
U. S. and State Stocks : —
United States 5.20s, 1865, registered 10,000 00 10,275 00
" " 1867, " 100,000 00 108,450 00
11 cur. 6s, " 170,000 00 207,400 00
" 4£s, " 50,000 00 52,008 39
" 5s, " 50,000 00 53,240 75
" 6s, " 150,000 00 164,550 00
Missouri 6s, 50,000 00 53,750 00
Municipal Bonds : —
Kansas City, Mo., 8s, 75,000 00 75,810 40
Green Bay City, Wis., , 21,500 00 22,165 64
Town of Gale, Trempealean County, Wis., 5,000 00 5,436 99
Total cost value $732,716 15 $681,500 00 $753,087 17
PROVIDENT SAVINGS I. IKK 481 CIK'IV. L86
PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY,
Nrw York City.
Commenced Business, Aug. 10, 1C
Shetpakd Homans, Prttident. Joseph P. Pennington, 8eer tt mry.
■ ■•ticut. W. T. Elmeb, Middletown.
I. CAPITAL.
Capital stock paid up in cash §126,000 00
Amount of net or ledger assets Dec. 31, 1876, $12">,451 83
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses 48,02t; ."'.>
Premium notes, loans or liens taken
in part payment for premiums 1,317 4T>
Total 4'.t.;m 04
Deduct amount paid to other Compa-
nies for re-insurance on policies in
Company, leas - com-
:jns 3,285 G8
Total premium income 46,058 36
Received for interest upon bunds owned and divi-
dends on storks 6,000 00
Received for interest on premium notes, loans or
Received for profits on bonds, stocks, or gold actu-
ally I t i66 n
Cash fapoafa 571 01
• d income
Total... |17V.t81 96
136 PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY.
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 12,053 47
Cash paid for surrendered policies and deposits,. ... 3,668 33
Premium notes, loans, or liens used in purchase of
surrendered policies, and voided by lapse, 312 98
Cash dividends paid to policyholders, return pre-
miums, same applied in payment of premiums,.. 533 48
Total paid policyholders, $16,568.26
Paid for commissions to agents, 8,603 61
Paid for salaries, and traveling expenses of mana-
gers of agencies, and general, special and local
agents, 1,579 93
Cash paid for medical examiners' fees, 1,383 76
Paid for salaries and other compensation of officers
and other office employes, 10,651 93
Taxes, licenses, fines and fees in other States, 674 51
Paid for rent, (less $1,055.01 ; received under sub-
lease,) 5,308 94
Paid for commuting commissions, 1,443 80
Paid for furniture and fixtures and safes for home
and agency offices, 10 00
Paid for advertising, 3,044 45
Paid for the following items : Stationery and print-
ing, $1,302.79; postagejand exchange, $730.55;
legal, $281.57; attendance, $117.04, 2,431 95
Total disbursements, mi 51,701 14
Balance $127,580 82
IV. ASSETS,
AS PER LEDGER ACCOUNTS.
Loans made in cash to policyholders, policies as-
signed as collateral, 129 29
Premium notes, loans or liens on policies in force, 922 17
Cost value of bonds and stocks owned absolutely,
as per Schedule E 119,531 25
Cash in Company's office and banks, 1,632 57
Bills receivable, 396 96
Agent's ledger balances, 4,718 58
Loan on personal security, 250 00
Total assets, 127,580 82
Deduct depreciation from cost of assets, 14, 062 50
Total net or ledger assets, less depreciation, $113,518 32
OTHER ASSETS.
Gross premiums due and unreported on policies in
force Dec. 31, 1877, 4,967 19
PR0Y1DINT SAYINGS EJF1 AS8TJBAK0K BOOTSfT, 137
Gross deferred premiums i>n poBotoi in Ions Dm,
91, 1877 10,781 99
tl 1ft, 748 41
Deduct the loading on above yross amount 8,149 «iS
Net amount of unooUed tared premiums ll»,;, .
Furniture, fixtures ami safes, ^ ommuted commissi. >ns,
•1,448.80 4,501 11
Companys own stock, donated to treasury g i 860 00
Total assets $132,!J71 17
ITEMS NOT ADMITTED.
Company's own stock 2,350 00
Furniture, fixtures and safes, 3,060 32
mated commissions 1,443 80
Agents' balances 4,718 58
Loans on p ourity, endorsed or not, 860 00
Bills receivable, 3i>0 'JO
Total 12,219 CO
Total assets (less items not admitted,) $120,751 51
V. LIABILITIES.
Net present value of all the outstanding policies in
force Dec. 31, 1877, computed according to the
Actuaries' or Combined Experience Table of Mor-
tality, with four per cent, interest, 31,723 00
Deduct net value of risks of this Company re-insur-
ed in other solvent Companies, 1,270 00
Net re-insurance reserve, 30,453 00
Premium obligations in excess of the net value of their policies.
at 4$ per cent.,
Claims for unpaid surrendered values of lapsed polices,
Claims for death losses and matured endowments in process of
adjustment, or adjusted and not due,
Amount due on account of salaries, rent and office expenses,
Amount of any other liability of the company : Deposits,
Due for re-insurance,
Liabilities on policyholders' account,
Gross surplus on policyholders' account.
469 45
4 75 OS
0,042 51
;.; 47
7:: 08
4..i;
179 •;•;
Total liabilil #120,751 51
VI. l'KKMir.M VM I M.
.•im notes, loans or liens on hand I). ■«-. .::. ' •'-'
Rec- g the year. 1 ,811
• A l t
138 PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY.
Deductions during the year as follows :
Notes, loans or liens used in purchase of surrendered
policies, and voided by lapse, 312 98
Notes, loans or liens redeemed by maker in cash, 624 61
Total reduction of premium note account,
Balance note assets at end of the year,
937 59
$922 17
VII. EXHIBIT OF POLICIES.
Policies in force at end of previous year.
Number. Amount
Whole life policies, 415 650,550 00
Endowment policies, 57 153,750 00
All other policies, 439 1,427,400 00
911 2,231,700 00
New Policies issued during the year.
Number, Amount.
Whole life policies, 66 104,934 00
Endowment policies, 3 3,000 00
All other policies, 427 901,900 00
Old Policies changed during the year.
All other policies, 7 21,500 00
Total number and amount, 1,414 3,263,034 00
Deduct number and amount ceased to be in force, 533 1,111,660 00
Total policies in force at end of [the year, 881 $2,151,374 00
Number and amount of Policies which have ceased to be in force during year.
Number. Amount
By death, 2 6,000 00
By expiry,, 47 144,500 00
Bysurrender, 21 58,750 00
By lapse, 360 634,000 00
By change and decrease, 7 45,910 00
Not taken, 96 222,500 00
Total terminated, 533 $1,111,660 00
Policies Re-insured in part.
Whole life policies, 1 450 00
All other policies, , 65 281,500 00
PBOVIDINT SAYINGS LIFI 488URAK0 I V. L89
VIII. BUSINESS in CONNECTICUT in 1877.
Nuintu-r. A in. .nut.
rottoi« in fnroo in Oonpootinot, Deo. 81, 1878 69 98,500 00
Policies issued during the year 86 52,500 00
! 78 146,000 00
Deduct number and unonn I > iu> In force 60,000 <»o
Total number and amount In force Doc 81, '77. 45
Nuinh.-r. Amount
Amt. of losses and claims incurred during year, 1 1,000 <»<>
Anit. of losses and claims on policies paid during year.. 1 1,000 00
Prems. collected, 1,158 08
Schedule? E — Storks and Bond* owned by tin Company.
Par Value. Market Valiu-.
-:ocks : —
U. S. G's, 1S81, registered, 20,000 00 21,250 00
5,000 00 5,812 60
consols, lsr 1 ,.-,. reg., 80,000 00 21,025 00
1867, reg., 50,000 00 68,685 00
" - :., reg., 6)000 00 5,25G 25
Total cost value $119,681 25 $100,000 00 $105,468 75
140
UNION MUTUAL LIFE INSURANCE COMPANY.
UNION MUTUAL LIFE INSURANCE COMPANY,
Augusta, Maine.
Commenced Business, Oct. 1, 1849.
John E. DeWitt* President. James P. Carpenter, Secretary.
Attorney in Connecticut, H. P. Burton, Hartford.
Amount of net or ledger assets December 31, 1876, $7,860,848 95
II. INCOME DUKING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses, 727,360 41
Premium notes, loans or liens taken
in part payment for premiums, 303,862 61
Premiums paid by surrendered poli-
cies, 400,416 41
Total, 1,431,639 43
Deduct amount paid to other Compa-
nies for re. insurance on policies in
this Company, 1,189 75
Total premium income, 1,430,449 68
Received for interest upon mortgage loans, 266,236 27
Received for interest on bonds owned and divi-
dends on stocks, 37,998 55
Received for interest on premium notes, loans or
liens, 123,135 28
Received for interest on other debts due the Co.,...| „ 7 roi 45
Cash discount on claims paid in advance, )
Received for rents for use of Company's property,. 13,716 04
Received for death claim paid in 1871, party found
to be living, 5,000 00
Received for profit and loss on mortgage and real
estate, 13,171 04
Total income, 1,927,238 31
Total, $9,788,087 26
UNION MUTUAL Ull tHSURAHCI company. 141
III. DIBBUBSnClirEB DUBING TH1 VK.VK.
Taid for losses and additions 511,240
Premium notes, loans or UttM BMd
in payment of the same :?7 < : , .'»7 88
Paid for matured and discounted en-
dowments and additions 207,286 89
Premium notes, loans or liens used
in payment of tl.o HUM 61,968 11
Total amount actually paid for losses
and matured and discounted endowments, 81 7,8Gl? 86
Cash p«id to {annuitants 6,999 97
Cash paid for surrendered policies 186,181 12
Premium notes, loans, or liens used in purchase of
surrendered policies, and voided by lapse, 229,126 97
Surrender values applied in payment of premiums, 400,416 41
Cash dividends paid to policyholders and applied
in payment of premiums 90,674 05
Premium notes, loans or liens used in payment of
dividends to policyholders 91,332 00
Total paid policyholders $1,822,592.88
Paid for commissions to agents, ")
Paid for salaries, and traveling expenses of mana-
gers of agencies, and general, special and local
agents j
Paid for medical examiners' fees, 13,849 28
Paid for salaries, and other compensation of of-
ficers and other office employes, 71,880 11
Taxes, licenses, fines and fees, 19,374 23
Paid for advertising, 21,295 29
Paid for the following items : — Printing, Station-
ery. <£c, $27,819.86 ; exchange, postage and tel-
egrams, $12,573.68; traveling expenses, $2,541-
34 : legal expenses, $19,064.88 ; miscellaneous
expenses. $88,228.71, 95,242 97
Total disbursements, 2,232,759 48
188,524 72
Balance, $7,555,327 78
IT. ASSETS,
AS PER LEDOEB ACCOUNTS.
Real estate unencumbered, aa per Schedule A., 1,227,981 77
Loans on bond and mortgage. Hirst liens,)
Loans secured by pledge of bonds, stocks or other
marketable collaterals, as p'-r Schedule. C,
Loans made in cash to policyholder! on this Com-
pany's policies assigned as collateral, 1,1
Premium notes, loans or Hens on polktol in force,. I
142 UNION MUTUAL LIFE INSURANCE COMPANY.
Market value of bonds and stoeks owned absolutely,
as"per Schedule E 707,172 50
Cash in Company's office, 195 51
Cash deposited in banks, 276,991 71
Bills receivable, 9,324 07
Agents' ledger balances, 27,521 74
Cash in transit Dec. 31, 1877, since received, 3,578 35
Accrued interest on bonds purchased for cash, 2,771 52
Judgment vs. Estate of E. Lamson, 8,349 16
Total net or ledger assets, 7,555,327 78
Deduct depreciation from cost of assets, 83,275 57
Total net or ledger assets, less depreciation, 7,472,052 21
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, 185,859 70
Interest accrued on bonds and stocks, 9,*52 51
Interest accrued on collateral loans, 98 05
Interest accrued on premium notes, loans or liens, 62,789 3.0
Gross premiums due and unreported on policies in
force Dec. 31, 1877, 54,524 57
Gross deferred premiums on policies in force Dec. 31,
1877, 124,830 86
Total, 179,355 43
Deduct 20 per cent, on above gross amount, 35,871 08
Net amount of uncollected and deferred premiums, 143,484 35
Total assets, 7,873,736 12
ITEMS NOT ADMITTED.
Judgment, 8,349 16
Agents' balances, 27,521 74
Bills receivable, 9,324 07
Total, 45,194 97
Total assets, (less items not admitted,) $7,828,541 15
V. LIABILITIES.
Net present value of all the outstanding policies in
force on the 31st day of Dec. 1877, computed ac-
cording to the Actuaries' or Combined Experience
Table of Mortality, with four per cent, interest, 7,543,066 00
Deduct net value of risks of this company re-insur-
sured in other solvent Companies, 1,878 00
Net re-insurance reserve, 7,541,188 00
Claims for matured endowments due and unpaid,.. 8,550 00
Claims for death losses and matured endowments in
process of adjustment, or adjusted and not due. . 216,645 75
Total policy claims, 225,195 75
UNION MUTUAL LIFI INSURANCE COMPANY. L48
Unpaid dividends of surplus, or other deseription of profits due
policyholders 26,616 06
Premiums paid in advance 15,084 77
Surrender values due ami unpaid, 2,828 85
Unpvetwntad accounts , L0 t 286 21
Julities on policyholders' aeeount 7,820,648 L4
(Horn surplus on policyholders' account 7,898 01
:al liabilities $7,828,041 15
VI. PREMIUM NOTE ACCOUNT.
Premium notes, loans or liens on baud Dec. 31. '70, 1,881,666 24
•ived during the year. 868,686 G9
Total, 2,215,252 93
Dtduetiont during the i/mr as follows:
Notes, loans, or liens used in payment of losses and
claims, 99,885 31
. loans or liens used in purchase of surrender-
ed policies, and voided by lapse, 229,126 'J 7
. loans or liens used in payment of dividends
to policyholders 91,882 00
Notes, loans or liens redeemed by maker in cash,.. 307,2(54 03
Total reduction of premium note account, 727,058 34
Balance note assets at end of the year, $1,518,194 59
VII. EXHIBIT OF POLICIES.
Policies and Additions in force at end of previous year.
Number. Amount.
Whole life policies 13,886 81,888,629 00
Endowment policies, G,031 8,576,576 00
All other policies, ;,_<: 1,064,000 00
20,444 40,979,204 00
'/ during the pear.
Number. Amount.
life policies. 1,711 2,886,466 00
Endowment policies, B06 058 00
All other policies, 7 00 no
Old 1'olicUs revived during th> jf
Km -unt.
Whole 'ife policies, 965,700 00
Endowment policies,
144 UNION MUTUAL LIFE INSURANCE COMPANY.
Old Policies increased during the year.
Number. Amount.
Whole life policies, 3,967 00
Endowment policies, 24,178 00
Total number and amount, 23,450 45,768,621 00
Deduct policies ceased to be in force, 5,319 11,386,803 00
Total policies in force at th© end of the year,.. ..18, 131 $34,381,818 00
Number and amount of policies which have ceased to be in force during the year.
Number. Amount,
By death, . 254 583,500 00
By expiry and discounted endowments, 214 282,905 00
By surrender, 1,518 3,248,450 00
By lapse, 2,792 5,614,350 00
By change and decrease, 723,668 00
Not taken,. ., 511 933,930 00
Total terminated, 5.319 $11,386,803 00
Policies He-insured.
Whole life policies, 10 40,000 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number. Amount.
Policies in force in Connecticut, Dec. 31st 1876 209 341,358 00
Policies issued during the year, and re instated and in-
creased, - « 5 6 > 965 00
Total, 251 398,323 00
Deduct number and amount ceased to be in force, 60 92,233 00
Total number and amount in force Dec. 31, '77,. 191 306,090 00
Number. Amount.
Losses and claims on policies unpaid Dec. 31, '76 1 LoOO 00
Losses and claims on policies incurred during year, 2 2,000 00
Total, 3 3 ' 50000
Losses and claims on policies paid duiing year, 2 2,500 00
Premiums collected i '
Schedule A— Heal Estate owned by the Company.
Real Estate in Nebraska, 155,130 00
" in Chicago, 566,552 15
« in Indiana, 84,495 78
" in Pennsylvania, 6,500 00
in Ohio, 59,966 19
in New York, 8>' 5 °° 00
in Maine, 400 00
in St. Louis, 144,158 55
Boston, 33,287 50
Company's building 215 > 92 ° 48
$1,274,910 65
UNION MUTUAL UFR INSURANCE OOMPANT.
s<-hi'(iiii<> i\ Loant on Collateral,
l\ir \ ':i]u.-. M.'llkrt Value.
ooupon, 1891, 10,000 00 10,887
U. B, 10,000 00 10,687 BO
8.600 00 10,850 00
Bd Avenue EL i; . N i ricOitj 5,100 00 7,140 00]
Ohioago, OolnmbnsA End. K. B 8,000 00 >
Assignment of mortgage of real estate in
Laf 10,700 00 10,700 00
: $43,800 00 |49,66JS 00
146
A int. LOAMd.
10,000 00
10,000 00
i.ihk; mi
7,461 H
J, KM) (III
182,867 44
§<*li«'tliil<' E—btoeki and Bond* owned by the Company.
Par Value. Market \\\\\w,
V. S. am> State Stocks : —
U. S. 6's, gold, 1881 100,000 00 106,626 00
Id, 1881, 106, ooo 00 110,643 75
*• 4's. gold, 1907, 25,000 00 25,218 76
State of Maine. 1889 100,000 00 112,000 00
" Pennsylvania, 1892-1902 10,000 00 11,060 00
14 Connecticut, 1897, 10,000 00 10,000 00
Mimcipal Bond- : —
City of Bangor. Maine, 1905, 100,000 00 106,000 00
14 Lewiston, Maine, 1901 20,000 00 21,100 00
•' Portland, Maine. 1896 50,000 00 58,000 00
'• New Bedford, Mass. 11)01-1902, 26,000 00 L'.-,,750 00
11 Providence, K. L, 1900, 25,000 00 26,626 00
14 Portsmouth, New Hampshire, 1880, 6,000 00 5,050 00
' Wilmington, Delaware, IS97 5,000 00 5,100 00
14 Kichmond, Virginia, 1908, 10,000 00 12,(00 00
14 Toledo, Ohio, 1880-1881, 34,000 00 84,000 00
11 Chicago, Illinois. 1881, 1,000 00 1,035 00
•• New York, 1880, 10,000 00 10,460 00
Kaieeoad Bonds : —
Lowell ft Andover, 1894, 20,000 00 20,00) 00
Total, $655,000 00 $G9G,247 50
L9
146 UNITED STATES LIFE INSURANCE COMPANY,
UNITED STATES LIFE INSURANCE: COMPANY,
New Yoke City.
Commenced Business, March 4, 1850.
James Buell, President. C. P. Fealeigh, Secretary.
Attorney in Connecticut, O. L. Hatch, Hartford.
I. CAPITAL.
Capital stock paid up in cash, $250,000 00
Amount of scrip capital, 150,000 00
Amount of net or ledger assets December 31, 1876, $4,001,828 73
II. INCOME DURING THE YEAR.
Received for premiums without de-
duction for commissions or other
expenses 898,651 64
Deduct amount paid to other Compa-
nies for re-insurance on policies in
this Company, 13,309 94
Total premium income, : 885,341 70
Received for interest upon mortgage loans, 166,560 48
Received for interest on bonds owned and divi-
dends on stocks, 98,597 29
Received for interest on premium notes, loans, or
liens, 13,806 04
Received for interest on other debts due the Com-
pany, 7,479 97
Received as discount on claims paid in advance,... 1,541 43
Totalincome, 1,173,326 91
Total, $5,775,155 64
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 300, 724 12
Premium notes, loans, or liens, used
in payment of same, 23,290 19
Total amount actually paid
for losses and matured endowments, 324,014 31
UK1TKD BTATKS L1F1 INSURANCE COMPANY. 147
Paid for surrendered polioiea 804,20
Paid for BurTond m 90,260 52
I iivi lea la : .•• applied
in payment of premium 97,441 97
26,81 ■■ 7.".
: >r oommif 159,297 78
raofagen
'. and 1" al igenta 1.17.". 18
iminera* fcea 19,528 28
- and other o tmpensation »>f offloera
1 other oAoe employea 56,188 »-'>
i, lioenaea, fines and f eea in othi i>,.">ii 94
nl 9,96
paid tor adrertiaing 88,988 91
nringitema: Printing, exohai
law i an 1 mi-
Ian eons sxpeni L3.53; Loss realised >>-i
sale of red estate bought in npon foreolosnre,
69,286 58
Co liabn wmenta 1,206,409 69
H.dance Dec. 81, 1>77 |4,668,745 95
IV. ASSETS,
l'EK LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A, 7'.»..>7 si
Loans on bond end mortgage, (first liens) 2,820,871 it
. oi other
marketable oollatei Schedule C, 889,100 00
Loans or 1. lieiesin fores 186,864 8-1
i ilue of b<>: i k^ owned absoinieij
per- 1,588,095 47
Boa -"'ii 4o
180,992
Bills r 38 51
Agent cured 19,558 60
1
Deduc bo bring
•t value, 4,458 k
d net or ledger assets, less depreciation 12 51
OTSD
'1 "I
Interest due an 21,1
Interest due and accrued on coll.it> r.tl loans 1-7
st due end
143 UNITED STATES LIFE INSURANCE COMPANY.
Market value of bonds and stocks over cost, as per
Schedule E., 72,020 34
Gross premiums due and unreported on policies in
force Dec. 31,1877, 57,005 98
Gross def. prms; on policies in force Dec. 31, 1877, 114,010 24
Total, 171,016 22
Deduct loading on above gross amount, 34,203 24
Net amount of uncollected and deferred premiums, 136.812 98
Total assets, > 4,828,931 02
ITEMS NOT ADMITTED.
Agents' balances, 19,553 60
Bills receivable, 9,588 51
Total, 29,142 11
Total, assets (less items not admitted,) $4,799,788 91
V. LIABILITIES.
Net present value of all the outstanding policies in
force on the 31st day of Dec. 1877, computed ac-
cording to the Actuaries' or Combined Experi-
ence Table of Mortality, with four per cent, in-
terest, 4,295,996 00
Deduct net value of risks of this company re-in-
sured in other solvent companies, 19,011 00
Net re-insurance reserve, 4,276,985 00
Claims for death losses due and unpaid, 1,000 00
Claims for death losses and matured endowments in process of ad-
justment, or adjusted and not due, 83,460 00
Claims for death losses and other policy claims resisted by the
Company, 19,500 00
Premiums paid in advance, $4,270.26 ; liability on lapsed policies
presentable for surrender, $19^830.00; accrued rents and nn-
presented accounts, $4,722.91, 28,823 17
Liabilities on policyholders' account, 4, 409, 768 17
Gross surplus on policyholders' account, 390, 020 74
Total liabilities,.. $4,799,788 91
VI. PREMIUM NOTE ACCOUNT.
Loans or liens on hand Dec. 31, '76, 155,470 66
Received during the year, , 18,440 75
Total, 173,911 41
UNITED STATES LIFE insikanvk COMPANY, L49
Induction* during the year aefoUoto*. :
\ . loans or lions need In payment <d" losses ind
olaima B 89
\ loans or lions n^» J in payment of ■nrrender-
ed policies and voided by lapse 1 1,680 68
. loans or lions rsdsemsd by maker In cash.... 22,866 75
j rednotion of preminm nots aooonn( 87,8
Balanoe nots assets nt the end of the year $186,854 B4
VII. EXHIBIT OF POLICIES.
Polieiet in form at end of preview year.
Number. Amount.
Whole life policies, B,828 16,868,218 00
Endowment policies 1,847 8,416,944 00
All other policies, 183 500 00
Total number and amount, 10,808 20,886,662 00
/ during tin year.
Number. Amount.
Whole life policies, 2,323 6,161,770 00
Endowment policies 660,666 00
All other policies, 1,218 2,642,180 00
Old Polteiei revived during the year.
Number. Amount.
Whole life policies 61 118,250 00
Endowment policies 15 86.000 00
All other policies 2 6,000 00
Ol> : increased and changed during tin year,
Number. Amount.
Whole life policies Ki 48,000 00
al policies. 8 10,000 00
All other policies, q 10,200 00
Total nnmhf-r and amount, II ,512,617 00
Deduct number and amotmf to be in fores 8,420 122,427 00
■ .1 number and amount in force Dec. 81, '77,. 11,080 §21,190,190 00
luring (hi %
Number. Amount.
By death l.:7
i.iry. W | .i
1,07
150
UNITED STATES LIFE INSURANCE COMPANY.
By lapse, , 2,178
By change and decrease, and correction, 27
Not taken, 637
Total terminated, ; 3,420
Policies re-insured, 66
5,156,490 00
207,840 00
1,475,000 00
$8,322,427 00
383,700 00
VIII. BUSINESS IN CONNECTICUT IN 1877.
Number.
Policies in force in Connecticut, Dec. 31, 1876, 245
Policies issued during the year, 89
Total, 334
Deduct number and amount ceased to be in force, 14 L
Total number and amount in force Dec. 31, '77,. 193
Number.
Losses and claims on policies incurred during year, 8
Losses and claims on policies paid during year, 5
Premiums collected,
Amount,
423,960 00
157,140 00
581,100 00
265,500 00
315,600 00
Amount.
29,310 00
12,310 00
7,016 10
Schedule A — Real Estate owned by the Company.
Real Estate in New fork City, 56,738 96
" in New York State, 10.788 89
" in Indiana, 7,606 55
$75,134 40
Schedule C — Loans on Collaterals.
Par. Value.
3,000 00
1,000 00
50,000 00
United States 6's, 1881, 4,000 00
Brewers & Grocers Bank,
Importers & Traders National Bank,
Assignment of mortgages on real estate,
Market Value.
2,700 00
2,050 00
50,000 00
4,275 00
Dime Savings Bank, Chicago,
3,000 00
United States 5-20's, 1865 295,000 00 312,331 25
Amt Loaned.
2,000 00
1,600 00
30,000 00
4,000 00
1,500 00
300,000 00
Total, $356,000 00 $371,356 25 $339,100 00
Schedule E— Stocks and Bonds owned by the Company.
Par Value. Market Value.
United States, 5-20's, 1865, 58,550 00)
*< « 1867, 4 ; 600 00)
6's, 1881...! 70,000 00
5's, 1881, 50,000 00
Municipal Bonds : —
City of New York, Central Park, 1887, , 7,000 00)
5,000 00 f
1898,
improv. 1879,.
65,418 31
74,812 50
52,750 00
19,200 00
6,000 00^
121,000 00
825,11 )
UNHID BTATB MM ENBURANOI OOMPANY, L51
Par Value Market Valoe
>rk Improvement, 1889 15,000 I 67800 00
Stivt Improvement, 1878 50,00
unulated debt, 1887, 100,000
10,000 ooi
>. irk Co aeoumulated debt, 1884 844,500 00)
55,500 OOJ
I unty soldiers bounty, 1886 16,000 00 16,050 00
City of Brooklyn, Pal. lie Park, 1915 40,000 00 46,800 00
Water Loss, 1881 6,000 <><>^
1886 6,000 00
- - ] M 17,000 OOI i 82f46000
1896, 20.000 00 i
44 78,000 00 !
1902 50,000 0oJ
44 Improvement, 1881, 1,000 00 1,01'-) 00
" Ghieego 50,000 00 500 03
'• Buffalo 25,000 00 28,000 00
•• Buffalo, apeeialloso 115,000 <><> 119,600 00
South Nonvalk. Conn, Water Fund, 100,000 <>o 106,000 00
Krit- County bonds 26,000 00 27,600 00
Jersey City Water Loan, 1898 „ 2,1 00 00")
1891 2,000 00 14,420 00
1888 10,000 on)
Bonds, 1888, 15,000 00)
•• 1881 l.oooiKi- 17,610 00
•• i--" l.ooo oo)
Soldi. -rs Bounty, 1884, 18,000 00 18,520 00
Revenue bonds, 1886 60,000 00 64,800 00
District Columbia 8-65'm i.'.o.ooo 00 lie:;:.". 00
50,000 00 mi on
War Enlistment, 1888 5.000 00 5,250 00
Oo. N. Y. '83, 1 0,000 oo v
14 '81, 8,500 oo 14,645 00
44 '88, l,ooo oo)
Richmond County, N r Y., 2,500 00 "J. .".7". 00
Total $1,588,095 47 91,545,150 00 $1,605,115 81
152 WASHINGTON LIFE INSURANCE COMPANY.
WASHINGTON LIFE INSURANCE COMPANY,
New York City.
Commenced Business Feb. 2, 1860.
Cyrus Curtiss, President. William Haxtun, Secretary.
Attorney in Connecticut, Frederick, Wood, Bridgeport.
I. CAPITAL.
Capital stock paid up in cash, $125,000 00
Amount of net or ledger assets December 31, 1876, $4,871,50-1 20
II. INCOME DURING THE YEAR.
Received for premiums without de-
ductions for commissions or other
expenses, 977,627 55
Premiums paid by dividends, includ-
ing reconverted additions, 6,211 61
Total premium income, 983,839 16
Received for interest upon mortgage loans, 145,648 04
Received for interest upon bonds owned and divi-
dends on stocks, 141,158 49
Received for interest on loans, or liens 2,533 52
Received, for interest on other debts due the Com-
pany, 3,936 09
Received as discount on claims paid in advance,... 1,909 16
Received for profits on bonds, stocks, or gold actu-
ally sold, 1,253 81
Total income, 1,280,278 27
Total, $6,151,782 47
III. DISBURSEMENTS DURING THE YEAR.
Paid for losses and additions, 325,441 63
Paid for matured endowments and
additions, 68,484 08
Total amount actually paid for
losses and matured endowments, 393,925 71
WASHINGTON LIF1 INS TRANCE COMPANY. 153
Cash paid for annuitants 1,465 48
Paid for surrendered polioiei 283,107 G6
Cash surrender values. Including reconverted addi-
tions, applied In payment of premiums, and re-
turn premiums, 14,070 17
Cish dividends paid to policyholders, same applied
in payment of premiums 170,946 00
Total paid policyholders 1868,816 OS
Paid stockholders for interest or dividends ( .i.:>18 22
Paid for commissions to agents, 62,962 90
Paid for salaries and traveling expenses of man-
agers of agencies, and general, special and local
agents 7,600 03
Paid for medio d examiners' fees, 5,990 50
Paid for salaries and other compensation of officers
and office employes, 47,442 76
lines and fees in other States, 7,236 29
Paid for rent 7,500 00
Paid for commuting commissions, 27,532 10
Paid for advertising 15,313 16
Paid for the following items : — Exchange and post-
age, $8,164.99 : printing and stationery, $8,676.-
22 : agency expenses, $26,098.84 ; interest £!»44.-
CC : loss on sale of $100,000.00 bounty loan, $],-
490.62, 35,275 33
Total disbursements, 1,079,206 31
Balance, $5,072,576 16
IV. ASSETS,
AS PER LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A., 227,551 15
Loans on bond and mortgage (first liens), 2,345,366 71)
Loans made in cash to policyholders on this com-
pany's policies assigned as collateral, 15,408 24
Cost value of stocks and bonds owned absolutely as
per Schedule E 2,195,716 30
Cash in Company's office, 4,648 94
Cash deposited in banks. 266,907 12
Agents' ledger balances 17,777 62
Total net or ledger assets, 5,072,576 16
OTin
Interest due and accrued on bond and mortgage loans, 12,4
Interest due an 11,:
Interest due and accrued on collateral loans, 1,682 66
Market value of bonds and stocks over cost, M per Bflhednl* I . 126,408 7 )
20
154 WASHINGTON LIFE INSURANCE COMPANY.
Gross premiums due and unreported on policies in
force Dec. 31, 1877, 37,353 69
Gross deferred premiums on policies in force Dec.
31, 1877, 109,456 96
Total, 146,810 Go
Deduct the loading on above gross amount, 29,362 13
Net amount of uncollected or deferred premiums, 117,448 52
Total assets, 5,371,028 15
ITEMS NOT ADMITTED.
Agents' balances, 17,777 62
Total assets, (less items not admitted), $5,353,250 53
V. LIABILITIES.
Net present value of all the outstanding ^policies in force Dec. 31,
1877, computed according to the Actuaries' or Combined Ex-
perience Table of Mortality, with four per cent, interest, 4,726,059 00
Claims for death losses due and unpaid, 982 64
Claims for death losses and matured endowments in
process of adjustment, or adjusted and not due,... 14,746 84
Claims for death losses and pother policy claims re-
sisted by the Company, 17,000 00
Total policy claims, 32,729 48
Amount of unpaid dividends to stockholders, 78 75
Amount due on account of salaries, rents and office expenses, 3,250 00
Premiums paid in advance, 8,910 97
Liabilities on policyholders' account, 4,771,028 20
Gross surplus on policyholders' account, 582,222 33
Total liabilities, $5,353,250 53
VII. EXHIBIT OF POLICIES.
Policies and Additions in force jit the end of the previous year.
Number. Amount.
Whole life policies, 8,575 20,085,334 26
Endowment policies, 2,324 4,261,171 92
10,899 24,346,506 18
New Policies issued during the year.
Number. - Amount.
Whole life policies, 948 1,776,415 00
Endowment policies, , 265 369,175 00
WA8HI1 UK INSURANCE 0OMPAN! 165
•/ during ('<< pear.
tar. Amount
Whole life |
irmeni polioiea 10
.ud amount 12, 26,
It.) beinforoe, • 4,617,396
end of the your 10, 144,981 18
31, L877
.1 10,229 23,127,548 L6
/ fa ; '.- fa /w, during .,
Number. mat
th lift 292,576 00
Bj surrender B38 2,055,660 00
IK expiry, matured 10 6 !. M
By lapse 1,716,800
ken 272 1-7.-
Total terminated, 2,078 $4,617,395 00
VIII. BUSINESS EN CONNECTICUT IN 1877.
Number. Amount
Policies in force in Connecticut, Dec. 81, l s 7<"> 7"> 305 00
Policies Issued during the year '.) l-.i:.o 00
Total 8-1 195,255 00
Deduct number and amount ceased to be in force JL 89,700 00
Total number and amount in f 31, '77, 68 155,555 00
Losses and claims on policies incurred during year, 2 10,215 ~>l
Ami of loawe and claims on policies paid during \ 1 8,696
Premiums colle b I }.;
*«*li«*«lnlc' A I: -iny.
Eeal Estate ii 46,022
in ! 9, 1.'. I
in
in K 120,281 w
Iowu 2,028 12
in 111; 8,687 71
; 15
156 WASHINGTON LIFE INSURANCE COMPANY.
Schedule E — Stocks and Bonds owned by the Company.
Par Value. Market Value.
U. S. Stocks : —
United States 6's, 1881, reg., 510,000 00 543,150 00
Municipal Bonds : —
City of New York, 7's, reg., 940,000 00 1,090,400 00
" " 5's, reg., 272,200 00 272,575 00
" Brooklyn 7's, reg., 260,000 00 299,000 00
" Brooklyn 6's, reg., 100,000 00 107,000 00
Kingston 7's, coupon, 9,000 00 9,000 00
Total cost ralue, $2,195,716 30 $2,091,200 00 2,321,125 00
158
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178
AMOUNT AND VALUE OF POLICIES.
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REPORT OF THE INSTKANVK 0OMMI8SIONKB. 179
i re,
The Connection! companies, (omitting the CharterJOak) hold
amounting to 1,247.54 a gain over Laat year of 12,382,506.49.
The olaaaee of investments, and the per centage of each class, are
given in Tables i ind 2, pp. 168 and 164. The percentage Loaned on
bond and mortgage is 54.80; invested in storks and bonds, 16.86;
invested in real estate, 6.20; held in premium notes, 18.02. The
real (.state owned, and held as security for loans, amounts to $55,500 r
813.40, from which an income of 1,3,499,577.15 is derived, or 8
per cent This is a higher rate of income than can be derived frdm
any other class of investments nnw attainable, and more than two per
cent higher than the income from government bonds, or the best
class of State bonds. Indeed, if the companies were to convert all
their assets into government bonds at the present prices for that class
of securities, they could not conform to the lawful requirements as to
an established rate of interest, and would place themselves in danger
of future insolvency.
Life insurance companies, like savings banks, have, in times past,
loaned their money upon real estate security at a valuation higher
than seems judicious at the present time, but, unlike savings banks,
they are not exposed to the sudden ami capricious demands of their
creditors. Their obligations extend over such long periods of time
that they are not, except as the result of the grossest mismanagement,
called upon to sacrifice their property during a period of temporary
depression in its market value.
The reduction in the nominal value of real estate, has caused much
adverse criticism upon this class of assets. It is believed, however,
that it has now reached its lowest point of productiveness, and
that experience will confirm the soundness of the accepted [opinion
of the past, that for the permanent investment of trust funds there
is no security superior to that afforded by carefully selected, pro
ductive property of this character. During the past year the companies
'nave increased their real estate owned $1,879,925.07, wholly by fore-
I, and their loans on mortgage security, $1,922,-
125.24.
In Stocks and bonds our life companies have invi ! ,080.-
71. or L 6.86 of their assets, from which they derive 1908,583.60, or
o.'m per cent
ace of the companies of other Stat bstantially
the same as that of our own.
180 REPORT OF THE
LIABILITIES.
The total liabilities of our life companies, (omitting in this as in all
subsequent calculations, the Charter Oak,) amount to $83,105,218.05,
of which $80,469,371.00 is the reserve held for future and remote ob-
ligations. The immediate liabilities amount to only $2,635,847.05.
This shows a surplus of assets over liabilities of $7,869,029.49, or
8.65 per cent. Table 3, page 165, presents the details of this ac-
count.
INCOME AND EXPENDITURES.
The total income of the Connecticut companies for the past year
was $17,870,861.72 — a decrease from the previous year of $1,323,-
002.23. The expenditures were $15,598,674.92, or an increase of
$1,110,568.24 over the year before. The increase in the amount paid
to policyholders, on policy claims and for surrendered policies, was
$1,438,752.19, or $328,183.95 more than the total increase of ex-
penditures. The expenses of management and dividends were largely
reduced. By putting into the account of expenditures large amounts
of debts considered doubtful or bad, and charging' to same account
the shrinkage in the value of stocks and bonds, the ratio of expend-
itures to income was, in some cases, seemingly largely increased over
former years.
The total cash premiums and premium note income of the compa-
nies for the past year amounted to $13,325,483.77. This sum repre-
sents the amount contributed to the companies by the policyholders.
The amount actually returned to them during the same time, in the
form of cash for death claims, matured endowments, surrendered
policies and dividends, and return of premium notes, was $13,161,-
462.85. At the same time the amount added to the fund held in re-
serve for the security of future payments to policyholders, and care-
fully invested, was $2,382,506.49. These figures illustrate true life
insurance, and the sound principles upon which our companies are
managed. The amount paid for salaries and other personal services
in transacting the business of the companies, was $442,727.97, or less
than fifty per cent, of what was received for [interest on bonds and
dividends on stocks.
These statements are verified in Tables 4, 5, 6 and 7, pp. 166, 167,
168 and 169.
INSURANCE COMMISSIONER. 181
BUBTO8 in OOHV BOl [CUT.
The Connecticut companies issued -'{'U policiefl more in this State
last year than the year before, covering $98,407 more insurance.
Tfcey collected $31,981.22 leas on premium account, and paid $12,-
376.16 lean for loeaea and claims. These figures show a very decided
improvement on those of a year ago. The improvement in the busi-
in the State was all in favor of the home companies.
The total number of policies issued in Connecticut during the past
year by all the companies doing business in the State was 104 more
than the year before — the amount insured was $352,387 less — the
amount collected in premiums Mas $125,4S5.34 less, and the amount
paid for losses and claims, $66,168.24 less.
For details see page 170, Table 8.
COMPARATIVE BUSINESS OP 1876 AND 1877.
The companies of this State issued last year 19,505 policies, insur-
ing $31,856,900, against 19,767|policies, insuring $35,327,246 the pre.
ceding year — a loss in number of 262 policies and $3,470,346 in the
amount insure I.
The companies of other States, doing business in this State, issued
44,869 policies, insuring $97,929,133 — a falling off from the previous
year of 0,413 in the number of policies, and $2 1,6 J 0,755 in the
amount insured.
See page 171, Table 9, for details.
OUTSTANDING INSURANCE.
At the close of last year the Connecticut companies showed, as
compared with the previous year, a decrease of the number of poli-
S in force, of 4,20'J, and of the amount insured, $22,044,014. The
companies of other States a decrease of 15,848 policies, and of the
amount insured, $48,501,483. The classification of policies in force,
and details of this account, may be found in Table 10, page 172.
] i:i:mi.vatiox of FOLD OS,
The number of poHcief of the Connecticut companies that termi-
nated last year was 26,168, insuring $57,787,296. Tnii is in ei
of the year ; in number, and $3,301,687 in amount The
terminations by death a I more in number, and $389 847
more in amount; by expiry, 18 leM in number, and $122,949 leaf in
amount : by surrender, 1,549 more m number, and $8,210,898 more in
182 REPORT OF THE
amount; by lapse, 1,5*75 more in number, and $774,866 less in
amount; by change, 44 more in number, and $880,575 more in
amount; not taken, 68 less in number, and $192,108 less in amount.
The experience of the companies of other States is substantially the
same.
It will be seen that two-thirds of the policies that terminate do so
by surrender and lapse. The percentage of lapses was less last year
than the year before.
Tables 11 and 12, pp. 173 and 174, give this account in detail.
On the subject of the termination of policies Commissioner Forster,
of Pennsylvania, very properly corrects a prevailing error.
* ! The impression prevails," he says. " that it is to the advantage of compa-
nies to have their policies lapse for non-payment of premiums; that as
a rule they contrive to bring about this method of termination, and then
refuse an equitable settlement with policyholders. This impression is, to a
great extent, founded upon misconception. The policyholder who pays one or
two premiums and then discontinues payment, does a positive injury to the com-
pany. The cost of carrying his insurance and procuring a substitute is, in many
cases, greater to the company than the amount of premiums paid, and he is en-
titled to no return.
" A large proportion of the forfeited policies are of this character. Then it
must be remembered that policies on good lives, which it is desirable for the
company to keep, are much more likely to lapse for non-payment of premiums,
than policies on bad lives, which it is desirable for the companies to lose. The
latter class make every exertion to keep their policies alive, while the former
are indifferent. The body of the company's policies are deteriorated by the
lapsing process. The company is damaged by the desertion of its best lives —
and yet this class of policyholders are very apt to feel aggrieved if a large pro-
portion of premiums are not returned to them when they retire."
NUMBER AND AMOUNT OF CLAIMS BY DEATH.
A full and detailed account of the number and amount of claims by
death for the past three years, is given in Table 13, page 175. The
uniformity in the ratio of claims to policies, and losses to amount in-
sured, from year to year, will be observed.
PREMIUM NOTE ACCOUNT.
Table 14, page 176, shows the premium note account of the compa-
nies for the past two years, with the ratio of notes to premium re-
serve and to gross assets.
NUMBER AND VALUE OF POLICIES.
A detail of the policy account of all the companies doing business
in this State, is given in Tables 15 and 16, pp. 177 and 178, with the
average amount of each policy and the average value of each.
KANOI OOMMISB] 183
l.in: UTO1 i:an< I m mm:-.
amount of now business acquired by our life insurance compa-
nies for the past year shows a gradual improvement over previous
b. With a reetoratioD of activity in other business pursuits it is
believed that it will resume its former flourishing condition. Cuni-
pared with sa\ iiii_r- banks, or any other class of institutions designed
for the custody of trust hinds, oar Life companies have a
rd that is not to their discredit. Only two companies in the
history of life insurance in Connecticut have failed to meet
promptly all their obligations at maturity, and one of these il is
expected will yet l>e restored to solvency. Of those now remaining
in good Btanding, nothing in the future can be more certain than
that they will continue to faithfully discharge every obligation
which they have assumed.
Mr. Pillsbury, the veteran Commissioner of New Hampshire, puts
the case fairly when lie says : —
•vithstanding the fact that a few failures have occurred in life insurance,
it must be confessed that no other class of financial iustitutions or business en-
terprises have withstood the long-continued depression equal to the older ok
life-insurance companies. They have continued to pour out their millions every
year anio: - and orphans and other claimants, relieving want and em-
barrassment through all this time of greatest need. The life-insurance compa-
in this country paid back or returned to their policyholders during 1877, for
death-losses, endowments, annuities, dividends, and surrender-values, be-
:i sixty and seventy millions of dollars, and they now hold over .* 40' ».<><)(), 000
of assets, with a surplus above computed liabilities of over $60,000,000. The
failures that have occurred have been shown to have occurred through incompe-
tent management or criminal villany, in every instance, and cannot, therefore,
be urged as arguments against the importance, feasibility, or usefulness of the
institution itself. It is fair, therefore, to presume that life-insurance compa-
• to profit from a general revival of business, and that, hav-
ing ■arrived the long strain, they will enjoy the confidence and appreciation of
the intelligent public to a degree unknown before."'
real interest to the State cannot he over-
looked. The heavy public burdens placed upon the companies Bhould
unend them to the n. rous treatment in every other re.
Mate draws from them in taxation an amount wholly
disproportionate to t ; : the protection afforded them. Since
l B72 tli' paid directly into the treasury «>f the State
in thi> form, the sum of |! The magnitude of this sum
may beet be appreciated by placing if at the side of that which may be
purchased with it. In 1872 the State commenced the erection of a
Capitol of the most magnificent proportions. That building will
184
REPORT OF THE
stand for centuries to testify to the royal taste and architectural skill
of its projectors. Yet its cost to the State, in its completion, will be
less than the sum raised as before stated since its corner-stone was
laid.
THE POLICY CONTRACT.
There is no subject that forms so frequent an occasion for appeal-
ing to this office for interference as the construction of the life policy
contract. Many people imagine that they have a right to a return of
the money they have paid in premiums at any time that they see fit
to cancel their contract. They do not consider that this could only
be fair by allowing the company the same right to cancel the policy at
its pleasure. This they would of course do, if this rule were to pre-
vail, as soon as they saw the policyholder in declining health, and cer-
tain to become a loss at no distant day. In this way the whole system
of life insurance would at once fall to the ground. The policy con-
tract cannot be binding on one side and a rope of sand on the other.
If people would only thoroughly understand the contract they enter
into when they take out a life policy, they would see that it implies a
mutual obligation, to be terminated only upon equitable terms that
are fairly stated. Or if the companies see fit to allow the policy to be
canceled, on terms not recognized in the contract, it is their duty to
make such conditions as will be fair to those who prefer to continue
their policies in force.
SUMMARY COMPARISON
Of Assets, Liabilities, Premium Reserve, and Net Surplus from 1868 to 1877.
CONNECTICUT LIFE AND ACCIDENT COMPANIES.
No,
Year.
of
Co's.
1868
9
1869
9
1870
9
1871
10
1872
10
1873
10
1874
10*
1875
10
1876
9
1877
8
Gross Assets. Gross Liabilit's Net Surplus. Prem.Reserve
45,057,482
57,472,951
65,701,233
71,664,483
78,871,840
86,265,885
93,225,533
98,964,945
103,442,268
92,525,077
34,332,242
43,078,693
51,836,007
61,582,030
70,367,409
78,930,481
84,567,161
90,342,159
94,607,428
83,407,232
10,735,240
14,394,258
13,865,226
10,082,453
8,504,431
7,335,404
8,658,372
8,622.786
8,834,840
9,117,844
33,095,981
41,880,821
49,942,670
59,071,534
67,938,094
76,191,451
82.314,903
88,036,176
91.923,607
80,682,885
Ratio of
Assets to
Liabilities
1.3923
1.3248
1.2612
1.1581
1.1208
1.0921
1.1022
1.0954
1.0934
1.1093
Ratio of
Assets of
Pre'mRes.
1.4523
1.3734
1.3137
1.2095
1.1511
1.1322
1.1325
1.1241
1.1253
1.1468
COMPANIES OF OTHER STATES.
1868
28
1869
28
1870
28
1871
28
1872
23
1873
19
1874
16
1875
16
1876
17
1877
16
98,910,711
124,518,931
145,847,834
166,813,723
172,766,987
191,655,354
205,123,316
220,849,486
255,249,017
257,733,704
87,934,164
112,388.476
134,667,429
153.266,594
162,149,078
179,047,725
189,014,884
203,176,241
232,639,033
234,144,972
10,976,547
12,130,445
11,180,505
13,547,129
10,617,909
12,607,629
16,108,432
17,673,245
22,609,984
23,588,731
82,081,841
105,138,346
127,389,224
147,381,958
156,601,642
173,255,032
185,354,082
199,292,512
227,983,987
229,742.596
1.1248
1.1079
1.0838
1.0883
1.0654
1.0705
1.0852
1.0845
1.0972
1.1008
1.2050
1.1845
1.1440
1,1311
1.1032
1.1062
1.1066
1.1056
1.1170
1.1218
1 - 5
Tin: CHARTER OAK LIFE INSURANCE COMPANY.
At the time >1 cl Annual Report concerning the Life [o
ite, in June Last, a special investigation
3s by a commission appointed by the
islatnre for thai purpose, and they bad placed an unfavorable n -
upon the oonditi me of the companies in my hands, It
Ivisable that special comments opon any
the companies Bhould be postpoued till the present time.
The unfavorable report alluded to was in relation to the Charter
Company, and was the culmination of a long se-
ries a that had befallen the company, and with which
public had been made familiar by the reports of this Department,
the action of the Genera] Assembly of the State.
ion stati «1 in their report that the liabilities of the
iuntedtO$13, .79, and. upon their valuation, the
. _ ,544.41. The law under which the) acted made
the acceptance of the facts found by them obligatory upon me. JWit
by the facts they reported, the assets of the company exceeded by
3 the sum of three-fourths of its liabilities, and therefore
it was left at ray discretion to institute proceedings for the appoint-
ment of n receiver or not The interests of the policyholders of the
.•any clearly required the avoidance of extreme measures if p
ible, but circumstances rendered this impossible, and on the l Ith of
July I brought an application before Judge Pardee tor the appoint-
ment of a
the re- mpany, in order to save it
a the hands of a receiver, were immediately taken. A commit
a number of the most prominent business gentlemen of
I. took tiie subject in hand, and finally prevailed upon a bud-
e eminently qualified experts, to examine the condi-
tion .mpany. | that if their report of its
rant it. they would consenl to re-organize it, and un-
to unqui >ncy and the con!' I *
the public.
-litter was as thorough as could he
1 them. On the 25th of July ♦', • <• re-
t in this 1 • : —
!
healthy portion "f '
■
made t togs] Humilities in fall Impairment
186 REPORT OF THE
During the progress of these proceedings the policyholders of the
company held a public meeting in Hartford, for the purpose of mak-
ing their wishes known, and of joining their efforts with those of the
other gentlemen interested in saving the company from a receiver-
ship. They also appointed a committee, who acted in co-operation
with the committee of experts, and united with them in their conclu.
sions.
The result of the whole matter was a purchase of a large majority
of the stock of the company by Hon. Marshall Jewell, and are-organi-
zation of the company. The application for a receivership was with-
drawn, and on the 1st of August, the new managers took full posses-
sion of the company. The new Board as organized, consisted of
Marshall Jewell (elected President,) William W. Eaton, John L.
JBunce, Samuel E. Elmore, George P. Bissell, Robert E. Day, Elisha
Johnson, George E. Hatch, J. M. Allen.
The company, when its new managers took possession of it, was
found to be severely crippled in its resources. New business had
entirely ceased, and a large number of the policyholders, taking ad-
vantage of their policy contracts, had stopped the payment of premi.
urns, and demanded paid up and unproductive policies. The death
claims and matured endowments that had accumulated during the
suspension of the company, were daily increasing, and the means to
meet them were found to be inadequate.
In order to meet the exigencies of the situation the directors re-
solved, in the month of September, to ask the policyholders of the
company to scale the liability on their policy account forty per cent.,
pledging themselves that as soon as the doubtful and unproductive
assets could be realized upon, the avails should be credited back to
their account, till the amount scaled should be restored. Death
claims and endowments, as they matured, were scaled to the same
extent.
The process of scaling proceeded rapidly. Still the flow of
money* into the treasury of the company was so light on pre-
mium account, and the difficulty of realizing upon the assets in hand
so great, that the managers were constantly embarrassed even in pay-
ing sixty per cent, on claims presented. Having, in common with
the directors of the company, serious doubt as to the success of the
scaling process, and the ultimate restoration of the company to a
state of solvency, after consultation with them as to its condition and
prospects, I deemed it my duty to 'again proceed against it. An ap-
plication to Judge Pardee for the appointment of a receiver of the
company was accordingly made. By direction of the General Assem-
[N8URAH0B OOMlflSSIONKR, 187
hlv, tbei in session. 1 procured a postponement of the ease pending
contemplated legislative aotion for the re-organization of the com-
pany.
Preliminary t<> aotion by the General Assembly, a resolution was
passed, directing the Joint Standing Committee on Insurance to in-
qnire when the present [nsnranoe Commissioner M first became aware
of the existence of the tacts affecting the Bolvency" of this company.
which were reported by the Special Commission ; u and if it be found
that lie became aware of said facts before they were discovered by
said Commission, to further inquire and report why some report of,
or action np on, such discovery, was not earlier made or taken by
him."
My reply t<> the inquiries of the committee is here re-published,
because it presents in a condensed form substantially a history of this
90 far as I have had any official connection with it.
" My earliest knowledge of facts injuriously affecting the solvency of this
company was acquired soon after I was appointed Insurance Commissioner, in
11 Iu my first official report to the General Assembly, in 1375, attention was
called to the unsatisfactory condition of the compiuy. and an investigation of
the muter wis mid? by the Insurance Committee of that year, in compliance
with my suggestion. From this investigation it appeared that the assets of the
company were less than its liabilities, the impairment, however, not amounting
to the twenty-five per cent, nerress iry to sustain proceedings for the appoint-
ment of a receiver. The Legislature indicated what course I ought to pursue in
the premises, by altering the then existing law to meet the exigencies of this par-
ticular case. In accordance with this - suggestion, and in pursuance with the
legislation which had reference solely to the condition of this company, I pro-
hibited the payment of dividends to stock or policyholders, until the deficit
should be made good. This prohibition has never been removed.
'• Thus it will be seen that the same condition of the company reported by the
Special Commission, to wit : the impairment of assets below the point of sol-
vency, but not to the extent of twenty- five per cent., had been discovered and
acted upon by me nearly two years before the Special Commission was appoint-
ed. My power and duty, under the circumstances, were purely discretionary,
and were exercised and performed strictly in accordance with the advice and di-
rection of the General Assembly.
" I will now answer, specifically, your inquiries touching those material facts
contained in the report of the Special Commission.
" 1. The Allen, Stephens & Co. Loan.-— My answer in regard to this mattox
is, that all the facts reported by the Special Commission were known i<>
early in I87. r », and by me fully reported to the General Assembly of that year.
There was nothing at that time in this fact sufiVicnly definite or tangible to war-
rant my official int< rference in the affairs of tn<: company. In this view of tin-
matter, the Special I n coincide with me. They believe, as I did, that
the loan is not an asset to its full amount, but the whole matter is involved In
alone can determine wh^th^r there is any, and if
188 REPORT OF THE
any, how much shrinkage of the assets in this loan. The only action possible
for me in relation to this loan was to report it to the General Assembly, which I
did.
"2. The West Virginia Investment.— The facts reported in reference to
this matter existed at the time of my accession to office, and became known to
me soon after. It may, and probably does, affect the solvency of the company,
but it is impossible, as the Special Commission found, to determine in what way,
or to what extent. The most that can be said is, that it is an unfortunate in-
vestment, because, at the present time, an unproductive one. In the absence of
any means to determine its real or approximate value as an asset, at the present
time, ic afforded no ground of action on the part of the Department against the
company, and none was taken. All the facts attainable in relation to this in-
vestment were laid before the Insurance Committees, in 1876 and 1877.
"3. The Liability of the Company to H. J. Furber. — This liability grows
©at of the contract made with Mr. Furber, in November, 1875, a copy of which
is appended to the report of the Special Commission. The preamble recites that
it is made by the company for the purpose of making good an admitted deficit
in their assets. This contract was not the creation of a new liability, but the
recognition of a pre-existing impairment of assets, and a provision for restoring
the company to a condition of solvency. The fact of this deficit, which the lia-
bility to Mr. Furber represents, was known to me early in 1875, was, as I have
before stated, fully reported to the Legislature, and was investigated by the In-
surance Committee of that year, which found that the assets of the company
were reduced below its liabilities, the impairment, however, not amounting to
twenty-five per cent. So far, then, as the liability to Mr. Furber may be a fact
affecting the solvency of the company, it will be seen that it had been discover-
ed and acted upon, as the Legislature directed, before it had assumed the shape
of an obligation to him.
" A word with reference to the change in the management of this company.
I made oareful inquiry as to the character and standing of the gentlemen who
proposed to assume its management. I sought information upon the subject
from sources of the highest respectability and intelligence, and received very fav-
orable answers to all my inquiries. I also consulted, with reference to the whole
matter, with gentlemen of ihe highest position in this city, and acted upon the
information and advice I received, consenting to the change. I also reported
to the General Assembly of 1876, the next succeeding session, the facts relative
to such change in the management of the company, and of this contract. That
Legislature, by its Insurance Committee, fully investigated the subject, heard
the statements of the officers of the company, the explanations by Mr. Furber,
examined the papers and fully approved of what had been done.
" Iu a word, my answer to your inquiry, so far as this Furber contract
is concerned, is, that I did not regard that contract as any new fact affect,
ing the solvency of the corupan}\ — the making of it created no addtional lia-
bility upon the company, and imposed no additional duty upon me. This view
of the matter was taken by the Legislature of 1876.
•'4. Valuations of Real Estate. — The valuations reported by the Special
Commission are not " facts affecting the solvency of the Company," in the same
sense that the other matters reported by them are facts. They are matters of
opinion. That these valuations were made by the Commission is undoubtedly a
INSURANCE COMMISSIONER, L89
fact. I >nt whet] her thing,
nr inquiry i with J h^ faot of th<
! Oommi
iu June, l v 77. If. to wit, a h
\ doe tli hi i
I of
; itiona by the 8] ommiasion. It i^ am
to go through with each of them, l>ut I will t • i illustrate aing.
I take the ftrel item of reel estate valued by the Special Commission, be-
i oral in ordei and tir>t in importance. This is the New York property.
I imed to the Department by the Company at a valuation of
H. Lndow and B m land H
Iged to be thoroughly competent and disinterested.
,i i>.< n.» question in reg ird to this m itter, I applied to the Cnsur-
»rk, the highest authority I oould obtain.
for a valuation of this property. It was appraised at $3,000,000. This appraisal,
is hereto appended, marked A, was carefully and minutely
tit and fair valuation. It should be
1 i;i this connection that this real estate was at thai time, and now is, an ao-
high a rate of income as can be obtainod on gov-
ernment DOuds, at this appraisal of $3,000,000.
immission, however, reported to me in June, 1877, that thoy
. i appraisal of this property by three gentlemen, competent an 1
ly in opinion as to its value from the other ap-
$1,845,000 only. By the same report they inform-
ed m tlu it ion of the other real estate of the Company. Emmediatley
the info,- ions difference <>f opinion as to the
of this property — a subject upon which men equally well inform.-. I al-
differ widely, and often times unreasonably — I deferred my own opinion to
proceedings for the appoint-
ment of a .
ve now answered your inquiries, permit me to say in con-
borne iu min 1 th it th ) rep >.-t of the Spe •: il < iommis-
sion, in t: r Oik Lit" mly a re-
— an iinj) drmeni not amountii
the
com; until this impairment passed th" limit of twenty-
five per e retionary. That power 1 have exei
under the imm Irice and with U pproral of the
Au<l it should ;;
f the company as to
•port of t; all th ifacl oft! hare
a compa-
ny have been i
the cutting off of prem d of
the
alway
i
190 KEPORT OF THE
After mature, deliberation the General Assembly adopted a plan for
the re-organization of the company upon a purely mutual basis, as
expressed in the following Resolution : —
Joint Resolution amending the Charter of the Charter Oak Life Insurance
Company.
Resolved by this Assembly :
That the charter of " The Charter Oak Life Insurance Company" of Hartford,
Conn., be and the same is amended so as to read as follows :
Section 1. The Charter Oak Life Insurance Company of Hartford, Conn,,
shall continue to be a body politic and corporate for the purpose of life insur-
ance, and for the other purposes hereinafter mentioned, and by that name shall
be, and hereby is, empowered to purchase, have, hold, possess, and enjoy, to
themselves and their successors, lands, tenements, hereditaments, goods, chattels,
and effects of every kind, and the same to grant, aliene, sell, invest and dispose
of ; to sue and be sued, plead and be impleaded in all courts of justice ; to have
and use a common seal and the same to change, break, and renew at pleasure,
and to ordain and put in execution such by-laws and regulations as they may
deem proper for the well ordering and government of said corporation and the
transaction of its business ; provided, they be not repugnant to the laws of the
United States or of this state, or to the provisions of this amended act of incor-
poration.
Sec. 2. Each and every person whose life now is, or at any time hereafter
shall be, insured by said corporation, shall be a member of said corporation for
and during the existence of such insurance and no longer, and shall at all times
be concluded and bound by the provisions of this act ; but any such member
may at any time sue or be sued by such corporation, but no such member shall
be in any way personally liable for any of the debts of said corporation.
Sec. 3. To carry out the provisions of this act, the present directors of said
corporation are hereby authorized and directed to call a meeting of all persons
whose lives are insured by said company, for the purpose of electing from their
number a board of directors, passing by-laws, and doing such other business as
may be deemed best by such meeting, which meeting shall be held at some prop-
er time and place at said Hartford, and shall be called by sending notice of the
time, place, and object of such meeting to every person whose life is insured by
said company, so far as their residences are known, and by causing such notice to
be published in one or more newspapers in Hartford, Boston, New York, Chicago,
Cincinnati, St. Louis, Baltimore, and Philadelphia, at least thirty days before
the day of such meeting ; and such meeting shall have power to elect directors,
pass by-laws, and make such rules, regulations, and do such acts in relation to
the management of the company as it shall consider desirable, which directors
when so chosen, shall take the place of the present directors of said company,
and thereupon the term of office of the present board of directors shall terminate.
Seo. 4. The principal office of said company shall be located in Hartford, the
company shall be managed by twenty-one directors, to be elected by and from
the insured, to serve as hereinafter provided, or until others are elected in their
stead. The board of directors thus elected shall at their first meeting separate them -
selves into two groups for the purpose of deciding by lot the length of the term of
service of each director ; group number one shall be composed of fifteen, who hhall
all be residents of this state, and who shall cast lots for the length of term they
[N8URAN «KB. 1**1
shall shorn shall ho for one, five for two, ami five for three
i ; group Dumber two shall be oompoeed of six, who may or may not be \
- of tin-- state, end who shall also decide by lot as to the length of (era they
shall ..M'h shall be two for one year, two for tw o . i two for three
than tifi . i direetora shall be reaidenta of this state, it
shall l.o deoided by lot from among all the reeidenta of this state, which of .-aid
number shall eompoae the tirst group of fifteen. At eaoh annual meeting ti.
after there shaU i>< it hist five ,,f whom shall be
denta of tl >r three years, and until othera art elected in their
f direetora shall have power to till all raoancie . whether
:.. reaignarion, or otherwiae. And an annual meeting for the elec-
t|on of direetora ami other proper buaaneea shall be holden thereafter on such
t ll be fixed by the by-laws. In the ohoioe of direetora as ;; i veeaid.
• n inanred andpreeenl peraonally or by his proxy, .shall he entitled to
mil' vote. The company by its by-lawa may determine what anmber of direetora
constitute a quorum, ami whether any ami what UOtice of direetora 1 meet-
ings shall ho given, ami all directors shall he chosen from among those insured
lid company.
If it shall so happen that an election of directors of said corporation
shah not take place at the time of the annual meeting thereof, in any year, said
corporation shall not be diaaolyed thereby, but an election may bo had at any
time within one year thereaft. r. the time to be designated and notice thereof
given by the directors lac And public notice, by order of the direct-
ors, shall always be given at least ten days pr.'vious to any meeting of the insured
in a newspaper printed in Hartford, and in such other ... by-laws may
ribe, and the president BhaU call special meetings of tho insured, whenever
requested thereto by a majority of the directors.
B 0. G. The directors may choose a president, a vice-president, and secretary
of their corporation, an 1 appoint such other officers, clerks and agents, and ea-
ucies in this state and elsewhere, as shall be by them deemed ad-
i of the company ; fix their compensation, and
take bonds from any or all of them for the faithful performance of their du
and make such tsasm iy be deemed i.
lirector or officer of :• itkm sfa ill directly or iudirectly in snv
way, receive any commission on premium .on for services or other-
The pr.- , n g ,j I( . ( ij rect _
ore, and m itments for one year, and until others are chosen to
. tea : but til.- other officers and aernmta of said oompany may be
displaced and new ones ap] ire of the direct
In the absence or disability of the president, the rice-president shall preside
and if both are absent or the direetoi oee a president pro tern-
mcaseaiiY .hall occur in the board of direetora, the remain-
ing dire- tors may choose I [the insured to till
such vacancy, who si 1 others are ch
places.
8k i smp re
from tim
and to make eoi . () , }
with hf- risk-, of whatever kind or : .
to be with or w tits.
192 REPORT OF THE
Sec. 8. All policies of insurance or "other contracts authorized by this act,
may be made with or without the seal of said corporation, and shall be signed
by the president and secretary, and being so signed and executed shall be bind-
ing and obligatory upon said corporation, according to the true intent and
meaning of such policies and contracts ; and any such policy may be surrender-
ed by the insured and beneficiary named therein, and assignee, if the policy be
assigned ; and in case of minor children, by guardian, or father, if living, or the
person paying premium thereon, which surrender shall be in writing.
Sec. 9. The f ands of said corporation shall be invested only in loans upon
bonds and mortgages upon real estate of double the value of the debt secured
thereby, or in United States stocks, or stocks created by any state of this union,
or in bonds of the cities of New York or Boston, or any incorporated city of this
state : provided also, that no stock created by any state of this union shall be.
purchased except with the approval of the insurance commissioner having first
been obtained.
Sec. 10. The directors elected by the iusured as aforesaid are hereby au-
thorized to obtain transfers and conveyances of the capital stock of said compa-
ny from the owners thereof to the president as trustee for said company, at the
price of the actual cash value of such capital stock, which price shall be deter-
mined by a committee under oath, the said committee to consist of the treasurer
of this state, the insurance commissioner, and a disinterested third person to be
chosen by these two ; and when the whole amount thereof shall be so received
it shall be then canceled, and the entire stock and capital of said company shall
thereby become extinguished. Provided however, that no money or other thing
of value shall at any time be paid for such capital stock, on any agreement which
shall be made for such transfer, which shall in the opinion of said committee
impair the policy reserve of said company computed according to such standard
of value as may be required by the laws of this state. And hereafter all of the
assets now belonging to and which may hereafter be acquired by said company,
and the future earnings of said company shall be appropriated to and used only
for the benefit of the policyholders of said company.
Sec. 11. If any person insured in said company whose policy has lapsed since
the 1st day of August, A. D. 1877, by the nou-payment of premium thereon,
shall within sixty days after the first election of directors as provided by this
act apply to said company to renew said policy for such proportion of the
amount insured thereby as has been accepted by a majority of the policyholders
by agreement, with the company as to their policies, and shall tender to the com-
pany a proportionate part of all premiums due thereon, with interest from
the time the same was payable, said company shall thereupon renew said policy
for such proportion thereof, and such person shall thereupon be entitled to the
same rights under his said policy so reduced, as if the same had never lapsed.
Sec. 12. This act shall in no manner impair or qualify the obligation of any
contract, liability, note, or debt of said company, either in favor of or against it,
or the evidences thereof, nor in any manner affect the title to any property or
estate of said company, or in any manner impair the rights of the present hold-
ers of policies of insurance in the same.
All those parts of the original charter of said company, and the amendments
thereto which create, allow, or recognize capital stock in said company, arid all
other oarts of said original charter and amendments not herein contained, are
hereby repealed ; but such repeal shall in no manner affect any suit or proceed-
ing now pending or any cause of action now exising in favor of or against said
company.
INSURANCE 0OMMIS3IONKK. l!'. - ;
\ i polioiei ^hiill be issued, o ttraota for insurance shall here-
nitil the ;• .tion of the oompany is oompl its 1.
ah sarploa or pxoflta whioh oiaj lined oul
of . \ ..u tied i>\
oom] Prom th • futa
■hall be equitably distributed """"g Bach policyholders onlj
. oompany, oonsented to surrender to said oompanj a portion of
• upon their said policies, either by reduction <»f the amount in
or otherwise, until such time as ths i irrendered shall bereim-
burs policyholders in full, in such equitable manner as may be deter-
mined by tin* <i. but nothing hereio shall in* oonatrued to prohibit ths
oompany from making dividends upon polioies hereafter issued, to the hold-
f, in proportion as their several payments to : myahsll have
the surplus ariaing therefromi Provided, however, that no divi-
time whioh shall impair the policy reserves of said
irding t<> guoh Btandard of valuation as may be required
by tlu- laws of this S
S . [I shallnotl ry fortbe provifdons of this resolution to be
i Charter Oak Lif<- Insurant- Oompany before the same shall be-
coun amendment to the oharter of such company.
B Cheme ting mentioned in Section '■'> shall vote upon the acceptance-
of U Iment to the charter of sail company, and unless those pn
repi majority in amount of the polioies there represented, shall vote
solution shall hc.-ome null and void.
intended <>r repealed at the pleasure of the
.y. and nothing contained therein shall bo so construed as to au-
thorize said oompany to engage iu the business of banking.
Approved, March 16, l v 7-
Li accordance with the terms of tlu- 3d section. :t meeting of the
policyholders was held in Hartford, on the 18th day of April, and
was largely attended. About 8,500 policyholders were represented
either in person <>r by proxy. The amendment t<> the oharter of
the company was accepted, without opposition, as provided for iu
Lion 16.
of the balloting on the occasion, tlu- following Board
of I): ! : —
William Faxon, Hartford. W. L. Sqi ikk. Hartford.
JOTIIAM G ffl . •' ('. (i. .Ml NY AN, "
M Bar] ■,'* C. S. Davidc u
( 'i w\- Spo »m:i;. Bridgeport.
< •• S. W. Bobbins, Wethersfiel !.
IIaj M Am . . New York ( 'ii\ .
I. A ::o. Philadelphia.
I >. \\ M I ). L. Bari i.i:i i, Baltimore.
S. K. M •• Thomas A. Looan, Cincinnati.
\V. E I ; < heo. Shrrwood, I
0. Si snard, m. I.
194 REPORT OF THE
At a subsequent meeting of the Board, George M. Bartholomew,
Esq., was elected President, and accepted the office.
The preparation of a statement of the condition of the Company for
publication has been a work of great labor, and has delayed the
printing of this report to the present time. Its importance, however,
to the policyholders of the company, and the public, has seemed to
justify the delay. It is here given.
STATEMENT FROM DECEMBER 31, 1876, TO APRIL 18, 1878.
Amount of net or ledger assets Dec. 31, 1876, $12,787,015 48
Decrease in assets from Dec. 31, 1876 to April 18,
1878, being amount marked off and charged to
profit and loss account, 209,252 92
Extended at, $12,577,762 56
II. INCOME.
Received for premiums without de-
duction for commissions or other
expenses 1,009,713 68
Premium notes, loans, or liens taken
in part payment for premiums, 174,069 46
Reduction of liabilities by lien agree-
ments, 40,555 14
Total premium income, 1,224,338 28
Received for interest upon mortgage loans, \
Received for interest on bonds owned and divi- - 268,898 55
dends on stocks, )
Received for interest on premium notes, loans, or
liens,.,,., 132.326 56
Received for rents for use of Company's property,. 295,251 14
Totalincome, "J, 920,814 53
Total, $14,498,577 09
III. DISBURSEMENTS.
Paid for losses and additions, 642,084 05
Premium notes, loans, or liens, used
in payment of same, 52,491 63
Paid for matured endowments and
additions, 280,910 88
Premium notes, loans, or lieDS used
in payment of the same, 96,814 93
Total amount actually paid
for losses and matured endowments, 1,072.301 49
Paid for surrendered policies,.... ..., 333,130 64
[NS1 KAN01 COMMISSIONER. 195
Premium notes, loans, or Hens used in pnrohsse
1 by lapse 826, I '"> 06
LiYidsnds psi l to policyholders, ssmc Applied
in payment of premiums, 85,815 12
Premium notes, loins, or liens us.- 1 in payment of
dirid policyholders, 68,453 17
i .! peid poUeyholden 1 1,886, 19
foroommu Lgenta 107,180 66
Paid for islsriee and traveling ei t managers
•ill and local agents, 87,016 .">i
Pail f or mediosl examiners' fees 6,G28 B8
Psid f snd other oompensstton of officers
■ad other offioe employee 90,440 '.'I
Paid for State end Local taxes in State where organ -
18; taxes, licenses, fines and fees
in other States. #£ 184,861 41
Tail for real 12,500 00
Taid for commuting commissions :W, 7 IS 41
1'iid f>«r advertising 27,586 42
Taid for the following items : Fire insurance, in-
st, and all other expenditures on Company's
property 13."),!).")") 37
Printing and stationery, legal expenses, expenses
-\ling and all other expenses, 158,064 17
Total disbursements 2,584,608 66
Balance, tll,918,968 18
IV. ASSETS,
Afl PEE LEDGER ACCOUNTS.
Real estate unencumbered, as per Schedule A, 6,050,468 21
Bonds and mortgsge, 1,584,004 57
Allen. Stephens* Co., 1,168,595 19
Loans - ( DOS Is. stocks, or other
marketable collaterals, as per Schedule O., 188,264
"ii policies 4 <>,">").■> 14
: ,losnsor liens on policies in force.. 2,488,544 <;o
due of bo: >wned absolutely, is
per- E 248,202 50
Cash in Company's office 22,591
Cash deposit, d in bank-
Cash i 51,884 98
68,288 41
Agen- 86,704 12
! 11,91
Deduc I isets, to briag
same to > 1 ifth, 8, i -
I • ■ depreciii >n |8, ■ ■ ) 7
1 ( J6 HE PORT OF THE
OTHER ASSETS.
Interest due and accrued on bond and mortgage loans, 147,000 00
Interest due and accrued on premium notes or liens, 14-2, 842 03
Rents due and accrued on Company's property or lease 50,000 00
Gross premiums due and unreported on policies in
force April 18, 1878, 213,539 31
Gross def. prms. on policies in force April 18, 1878, 40,61)9 08
Total, . 254,238 30
Deduct loading on above gross amount, 50,847 68
Net amount of uncollected and deferred premiums, 203,390 71
Total assets, 8,973,962 91
ITEMS NOT ADMITTBD.
Amounts deducted from ledger cost of assets to bring same to es-
timated present value.
Real estate, 2,067,498 21
Stocks and bonds, 98,792 50
Call loans, 98,364 83
Bills receivable, 63,283 41
Allen Stephens & Co, 1,068,595 19
Agents' and ledger balances, 86,704 12
Total, $3,483,238 26
V. LIABILITIES.
Net present value of all the outstanding policies in
force on the 1st day of April, 1878, computed
according to the American Experience Table
of Mortality, with four and one-half per cent,
interest, after deducting the gains from scaling
and lapse prior to July 1st, 1878, as claimed by
the Company 8,170,123 00
Claims for death losses and matured endowments due and un-
paid, 228,345 7
Claims for death losses and matured endowments in process of ad-
justment, or adjusted and not due, 67,661 84
Claims for death losses and other policy claims resisted by the
Company, 29,142 84
Total policy claims, 8,495,273 38
Due for borrowed money including $10,000, interest due or ac-
crued, 282,500 00
Liabilities, 8,777,773 38
Gross surplus, 196,189 53
Total liabilities, $8,973,962 91
[N8UKAN0I COMMISSIONER 197
VI. PREMIUM Ni'lK LCOOUfl I'.
. h ub l Dee. Bl, '7«; •_'.:. n,<;o!> 20
\g IT 1,069 I'-
817,121
: 8,082,1
I).
:i payiiu-lltj.if losses ami
149,806 66
'.^ or liens us.-il in payment of Barren
ed i 1 voided by lapse, 826, 4!»"> 06
oa or liens redeemed by maker in each,... 68.458 17
taction of premium note account, 644,255 09
tnce note assets at the end of the year, $2,488,544 60
Schedule A — /.' - ownedbyth* Cbmpany.
In Hartford. Co's building 600,000 00
Connecticut, other property 7'*>..".<>n no
V-»rk L>.olL\--
Missouri, :>>•■'.. B45 00
Illinois. Chicago 288,8< o
Other property 84,820 00
Virginia and West Virginia 200,000 00
Pennsylvania, 25,000 00
Ohio, Cincinnati. 88,500 00
Iowa. 89,000 00
rosin, 22,500 <»<»
Wellington, D. C, 62,000 00
-, 00
■ehedale C — L
Market Value. Par. Value. Ami I.
7.'
Con: EL. K. bonds 800 00 1,000
tford Axle Co.. 20,000
. K. K. 1. rod I 00 1,000 00 ::.() no
10,000 00 8 1".--
I oo so 00
I 00 SOU MO
: Mortgages I no 11,974 ll
Assignment of 7,000 00
Conn 1.7"
'..<»•»<> 00 10,00d <>'> 5.0
N i: W. > 00 ii. i-
Conn. Western IS. K. boo I , 1,000
1,225 I" 1,22
5,700 00
-
198 KKFOKT OF THE
Schedule IZ— -Stocks and Bonds owned by'the Company.
Par Value. Market Value
U. S. Stocks : —
U. S. 6s, 1881, coupons, 14,000 00 15,120 00
Municipal Bonds : —
City of Quincy, 111 10,000 00 8,750 00
" Leavenworth, Kansas, 1,000 00 750 00
Kansas City, Mo., 10,000 00 8,500 00
Railroad Bonds • —
Paris & Danville K. R., 75,000 00 8,750 00
Conn. W. R. R., 1,000 00 250 00
Bank Stocks : —
Merchants Bank of St. Louis, 1,750 00
Hartford Trust Co., 12,500 00 10,625 00
Conn. River Banking Co., 5,000 00 4,000 00
Charter Oak National Bank...... 2,500 00 3,050 00
Hartford National Bank, 2,500 00 3.500 00
City National Bank, 2,500 00 2,250 00
Conn. Safe and Trust Co., 4,500 00 3,600 00
Phoenix National Bank 2,500 00 3,750 00
^tna National Bank, 2,500 00 2,950 00
American National Bank, 37,500 00 47,625 00
U. S. TrustCo., 5,000 00 4,500 00
Farmers and Mechanics Bank 2,500 00 1,875 00
Railroad Stocks : —
N. Y., N. H. & H. R. R., 5,000 00 7,500 00
Miscellaneous : —
Security Co., 10,000 00 0,500 00
Hartford City Gas Light Co., 2,675 00 4,815 00
^tnaFirelns. Co., 5,000 00 2,750 00
Total cost value, $248,202 50 $214,925 00 $149,410 00
The company as now organized is managed with the highest de-
gree of intelligence and efficiency. If its policyholders will faithful-
ly stand by it, in a few years the amount they have scaled on their
policies will be fully restored, and they will have sound and full in-
surance under their original policy contracts.
INSURANCE COMMISSrONKR.
199
WlKKlt an MUTUAL AND AMERICAS NATIONAL LIFR and TRUST
« MP A Nil
An application for tin* appointment of r receiver for these companies
was renewed in the fall of 1877, and after long delays was finally refer-
red to Col. \Y. r>. Woo8ter,oi Derby, who, after a full bearing, reported
on the 29th of June that both companies were impaired t<> the ex.
tent that the appointment of a receiver was imperative under the
statute. The report was submitted to Judge Pardee, at Hartford,
on the 1st day of July. Judge Pardee at once appointed Talcott II.
Knssell, Esq. of New Haven, receiver uf l>oth companies, t<> whom
all matters conuected with them are new referred for final settlement.
Respectfully submitted,
Insurance Commissioner.
Hartford., July »',. 1878.
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REPORT
SPECIAL COMMISSION
Life Insurance Companies,
GENERAL ASSEMBLY OF 1878,
o\ TllK
CONTINENTAL LIFE INSURANCE CO.
CHARTER OAK LIFE INSURANCE CO,
H ART FOR I) :
CKWOOD • BRAINARO COMPANY
1878.
HOUBI OF RsPBBBBNTATn
January Session, A. D. L878.
this II
That there be printed, for the use of the General Assembly,
five hundred copies each of the Report of the Special Commission
on the Continental Life Insurance Company and the Charter Oak
Life Insurance Company, together with the supplemental report of
said Commission, made under the order of the Genera! Assembly
to the Joint Standing Committee on Insurance.
House of Representatives,
February 14, 1878.
B. M. Waknkk. Clerk.
A true copy.
Dwtoht Mob
Serr<-t:i - ite.
HE CONTINENTAL LIFE [NSURANCE COMPANT
OV H \KTKolM)
The following r< a submitted t<> the General Assembly,
January 15, i s >
BTATE OF ( ONNECTH I T
B
- haying been, at the Lai ■ of your hon-
ppointed commissioners for life insurance oompaniee
t. that we have given careful attention to tin*
duties «>f our appointment, ami hope at an early day to make a full
■d t<> all the several oompaniee. We deem it our
duty, however, in the meantime, ami before printing our general
i call the special attention <>f the legislature to the affairs
of the Continental Life insurance company 01 Hartford. The
condition of that company is such that we have hesitated whether
• not. t<» make report to the insurance commis-
ir; but in view of the possible doubt whether the case was
raid be reached by ordinary legal process, we have
eluded to wait till tl a mi time, and at the opening of the
n. to commi;: your honorable body the results of our
We iarly after entering upon the discharge of our
duties that the last annual statement of the company, as the same
appears on file in the commissioner's office mi -represented in some
ie company's real condition; but the full extent was
not disclosed to us until lately, nor did it appear until lately how
largely these mien ations affected the company's solvency.
ag to tie- company's statement, its surplus, December 31,
►, upon a i^ per (•• - was $325,656.55. We find that
ded be mad.- from the company's reported assets con-
siderably ng this reported surplus. The company claims
to have largely recuperated during the current year by means of
- irrendered policies and otherwise, bur after alio*
for whatever recuperation it has thus made, it still appears doubt-
fa] whether it has the amount of assets which is required 1
iete solvency. It requires considerable detail to make an
•:hibit of the manner in which the company's cond
is miawtatt - annual report. The general result can. hown
be gi
1. The 00m]
6
bonds to the amount of $200,000 more than it really owned.
There is a sense in which the company may perhaps be said to
have had a nominal title to these bonds, but it had no valuable
interest in them.
2. The company reports itself as owning Windham town
bonds to the amount of $35,000, whereas, in fact, it was not the
owner of any such bonds.
3. The company reports itself as having cash deposited in
bank, $173,516.50, whereas it had no such amount of genuine
deposits.
4. The company's liabilities are not fully reported.
Although the above results become apparent upon examination,
it must not be understood that the company's statement in respect
to these supposed assets referred to, is simple fiction. Upon the
company's books it appeared to have a full title to all its reported
assets, and it had, in fact, as will hereafter appear, a colorable title
to most of them. A full and detailed report of the process by
which the results above indicated are produced, is due alike to the
public and to the company, and we will proceed to make that
report. Before doing so, however, we ought to state that John C.
Tracy has been for several years a director in the Continental Life
insurance company, while he was also, during the same period,
president of the Farmers' and Mechanics' bank, and by means of
his acting in this double capacity it was not difficult to give to the
insurance company an appearance of being the owner of assets
which it did not in fact own.
The books of the insurance company are on their face regular
and regularly kept. Upon the mere examination of them and
upon comparison of them with the annual statement, nothing is
disclosed calculated to excite suspicion. The statement appears to
be in conformity with, and to be regularly deduced from the books.
Untruthful entries upon the books prepared the way for the annual
statement. The first step was taken by making entries in the books
of the company indicating large deposits of cash in the Farmers'
and Mechanics' bank, which deposits were not actually made.
Of these entries of unreal deposits there were, on the 31st of
December, 1876, the following, viz.:
$186,907.16
133,534.90
20,966.40
35,000.00
One item of .
One of
One of
And one
of '.
Total,
$376,408.46
Tin' thn .is having been made in Decern
oer. I87t>. the first m haying been made Jane 30, 1875. All these
items were entered by Mr. Tracy as genuine deposits on the |
book which the insurance company kept with the Farmers 1 and
Mechanics 1 hank, ami thus the pass hook Beemed to confirm the
company's charges against the bank of these deposits, and t<>
them every appearance of being genuine and just charges, and yet,
in tact, DO such deposits were made. There may have been, and
\ i 11 appear hereafter, a deposit with Mr. Tracy of
of cash, corresponding to the charges, but
the Farmers 1 and Mechanics 1 hank received no such deposits, and
no credit for them. The accounts between the insurance
company and the hank have, during the past year, been adjusted.
and no claim made by the insurance company that these apparent
real.
The insurance company, as will readily be seen, by means of
these entries of deposit, had apparently a large amount of cash in
bank and at command, and according to its books the cash thus
dep<- ked out and was mostly used in December. 1
in the purchase, among other things, of the United States bonds
already mentioned, of the par value of $200,000, and of the Wind-
ham town 1" the amount of $3."), 000, — but as the deposits
unreal, bo these checks and purchases were only on paper,
apparent but not real.
There i< a history connected with the several amounts thus
charged as deposited, which is of considerable importance to all
parties interested in the affairs of the company, which history we
will now proceed to give:
1. The com: from time to time, purchased portions of
its own stock at a large premium. It has thus become the owner
.. for which it has paid $125, IS2.90.
This stock stood, December 31, 1.S76, in the name of "John C.
i he vouchers for the payment of this $125,482.90
item in the company's cash account. These
vouchers were delivered to Mr. Tracy, and for them the company
charge to the —
Farmers' and Mechanic-" bank, cash deposited, . S20.'
Ami take cert; ipecial deposit fir . 104,516.50
1 otal, ...... H25,
i certificate $104,516.50, ion of the
amount reported by the company in its am, . tnenl as i
8
deposited in bank. In February, 1877, these vouchers were re-
turned to the company by Mr. Tracy, and the certificate of deposit
canceled. It is needless to say that the vouchers are and were
worthless. They not only were not cash on hand, or representa-
tives of cash on hand, but were representatives of cash of the
company expended and paid for its own stock, which stock it is
obvious is of no value to the creditors of the company as an asset.
2. The company had from time to time advanced cash to
Sharps' Rifle company, to the amount of $133,534.90, for which it
held vouchers which, as the phrase among bookkeepers is, u were
carried in the cash," that is, instead of being entered on the books
of the company as investments, were treated and counted and
appeared in the company's cash account as so much cash on hand.
In December, 1876, these vouchers are entered upon the insurance
company's books as so much cash deposited in the Farmers' and
Mechanics' bank, and thus this investment of the company's funds
in Sharps' Rifle company is placed out of sight as an investment,
and appears as a cash deposit in bank.
3. The company's annual report states its capital stock paid
up in cash, $300,000. In fact, only $120,000 of the capital stock
has been paid in cash — for the remaining $180,000, the company
holds indorsed notes of its stockholders, bearing date July 1, 1874,
with interest, upon which notes the interest remains unpaid. The
existence of these notes is ignored in the annual statement. They
have been kept in a package by themselves and treated as- a cash
item, and frequently passed to and fro as cash between the com-
pany and the Farmers' and Mechanics' bank. On the books of the
company there appears an entry, June 30, 1875, of a deposit of
$186,907.16 in the Farmers and Mechanics' bank. This deposit
consisted in delivering to Mr. Tracy the package of stock notes, and
calling them so much cash, and treating the delivery to Mr. Tracy
as a deposit of cash in his bank; it thus remained as an apparent
deposit of cash until it was passed back to the insurance company
in February, 1877.
If these notes had been really taken and discounted by the
Farmers' and Mechanics' bank, and thus converted into cash, per-
haps it might be said, with some show of truth, that the stock was
paid up in cash, but the charge to the Farmers', and Mechanics'
bank was, in truth, a mere fiction, and instead of cash for $180,000
capital, the company have had, and still have, stockholders' in-
dorsed notes.
9
In this connection we ought to refer to whal has already been
1. to wit: Thai the company has purchased and is the owner
! n, for which it lias expended com-
pany funds to the amount oi $125,482.90, The funds thus paid
ich actually withdrawn from the company's paid capital.
The company have thus, by this purchase, used all the $120,000
originally paid into the company by stockholders, and have paid
The assets <>f the company are thus left in the same condition
they would have been if the entire stock was wholly unpaid for.
The company's stock account with its assets stands thus:
C VPITAL STOCK, CR.
For cash paid by stockholders, .... $120,000.00
DR.
For cash paid certain Btocknolden for 4,670 shares of stock, $125,482.90
Thus Leaving the assets minus, to the amount of $5,482.90. For,
• have already stated, it is obvious that the company's owner-
ship of its own stock is of no value to the company's creditors as
an a-
4. In connection with this item of $186,907.16 appearing on
the company's books, as a deposit in the Farmers' and Mechanics'
bank, we should state, that on the 11th of January, 1876, the com-
pany drew two checks on the Farmers' and Mechanics' bank : —
One tor ....... 860,000.00
And one tor ....... 56,625.00
Total. ...... $116,625.00
rs were no actual funds in bank to respond to these checks.
They wen ; >ly drawn on the strength of the unreal deposit
of $186,907.10. There is a memorandum on the stub of the
-;>. That they were to be used in the purchase of United States
bond- checks were taken by the Farmers' and Mechanics'
bank, and were treated by that bank, under the auspices of Mr.
Tracy, a- ma, and on their credit United States bonds were
purchased and transferred to the insurance company, the checks
being held as obligations of the company to secure the repay-
ment to the bank of the money paid by it for the bonds. The
ks remained outstanding until February. L877, when :h«- com-
pany was <»i»'.._ and did pay them D cks were
10
outstanding, liabilities of the company on the 31st December, 1876,
but are not reported as such in the company's annual statement.
5. In regard to the item of $35,000 entered upon the com-
pany's books as deposited in the Farmers' and Mechanics' bank,
December, 1876, we do not find that this charge represented any-
thing whatever. A check was drawn on the bank on the strength
of this apparent deposit, on the stub of which is a memorandum
that the check was made for the purchase of Windham town bonds.
On the cash book cash is charged, December, 1876, with $35,000,
as paid for the bonds, and in March, 1877, cash is credited with
$35,000, as received on the sale of the bonds, and in the annual
statement the bonds are reported as being on hand, and as having
cost $35,000, whereas in truth, there was no such deposit of
$35,000, and no such purchase or sale, and no such bonds on hand.
6. In regard, however, to the $200,000 United States bonds
which the company reports in its annual statement as having on
hand, and concerning which we have already stated the company
had no valuable interest in them, the forms of a real purchase were
adopted. On the strength of the imaginary deposits in the
Farmers' and Mechanics' bank, the insurance company drew its
check for $224,000, as for the purchase of United States bonds,
and December 27, 1876, the president of the company wrote a
letter to the bank, requesting the bank to purchase on account of
the company $200,000 United States bonds. This letter was duly
received by the officers of the Farmers' and Mechanics' bank, and
they acted upon the letter, and on the 5th and 10th of January,
1877, purchased for the insurance company the $120,000 44 per
cent, registered bonds, which appear in the insurance company's
report as being owned by it December 31. 1876, and as having
cost $129,625.
On the 10th of January, 1877, the bank purchased for the
insurance company United States 6 per cent. '81 coupon bonds,
$40,000, which appear in the insurance company's report as being
owned by it December 31, 1876, and as having cost $45,375. On
the 10th January, 1877, the bank also purchased for the insurance
company, $40,000 United States 5 per cent, registered bonds of
1881. These last mentioned bonds are entered in the report of
the insurance company as part of $205,000, such bonds owned by
it December 31, 1876.
All these bonds were purchased by the bank on the general
credit of the insurance company, and relying upon their hen on
11
the bonds themselves as security. The bonk retained the bonds
in its own possession, and bad b power of attorney from the Lnsur
ance company to sell them, and under this power they were all
sold by the bank, commencing the sale February 10, 1877, and
the la<t sale being March 2d.
And DOW to show how much must be deduced from the com-
pany's inventory of assets on account of all the foregoing matters,
(that is. to show how these misstatements affect the company's sol-
vency). Tlu 1 true measure of deduction is tic amount of the fictiti-
ous deposits in the Farmers 1 and Mechanics' bank, for all these depos-
its appear in Borne form as assets in the company's statement, either
as bonds, etc.. purchased by checks drawn against these deposits,
or as still on hand as remaining deposits.
The unreported liability, herein before mentioned, become- such
by the disappearance of the imaginary deposits, upon the Btrengl h oi
which the Sl 16,625 checks were drawn. If the deposit had been
real, the checks would not have been an overdraft. The amount
of the fictitious deposit, therefore, is the full and true measure of
deduction.
In order, then, to show the company's real condition December
31. 1876. the following deductions must be made from the company's
- M fcs: —
(1.) The certificates of deposit in the Farmers and Mechanics'
hank given en account of voucher- for cash paid for Btock, ^104,516.50
Deposit of ...... 20,966.40
Deposit of ...... 35,000.00
U.S Deposit of stock notes, .... 186, !)<»:. ic
(5.) Depoeitsof vouchers for disbursements to Sharps' Rifle
company, ....... 133,534. 90
Total, $480,924.96
But, while the company on tin- one hand was thus represented
as owning : L96 more than it truly did own. some assets of
value, which it truly owned, are not disclosed in their statement.
Thus, the Company actually owned, and still owns, the stock notes.
The company also owned a debt against Sharp-' Rifle compao
the nominal amount of $133,534.90, and inasmuch as these an
in truth assets of the company, their true value must be be
tained and added t< > t he o .mpany's inventory, in order t" solve the
question whether the company is really solvent or insolvent
It i- very difficult to make a just appraisal oi the value <>i
thes- rom the company's statement, and it ma]
12
perhaps be said with some show of reason, that these assets are so
obviously inappropriate to meet the obligations to policy-holders
which the company has assumed, that they ought not to have any
place of value in the reserve which the law requires the company
to maintain.
In order that your honorable body may form its own estimate
of value, we deem it our duty to give some details regarding these
stock notes and Sharps' Rifle company loan.
1. Among the stock notes is one for $70,050, given by J. C.
Tracy as trustee for the company. This is for installment due on
the 4,670 shares of stock owned by the company, but standing at
the time the note was given in Mr. Tracy's name as trustee. This
note of the company — substantially its own note to itself — is value-
less : , leaving $109,950 of notes really due, with interest on them
from July 1, 1874. Of these $41,438 are against officers of the
company, and indorsed by such officers, directors not being included
as officers in this statement.
We do not care to speak of the personal responsibility of the
makers and indorsers of these notes, except to say that we know
many of them to be persons in good credit.
In regard to the debt of $133,534.90 against Sharps' Rifle com-
pany, it is to be borne in mind that among the reported assets there
is a mortgage debt against this rifle company of $62,500. This
$133,534.90 is an additional debt which December 31, 1876,
was without any other security than the general responsibility of
the company. In February, 1877, a mortgage of land and ma-
chinery (subject so far as the land is concerned to the prior mort-
gage) was made to secure the rifle company's bonds to the amount
of $150.000,. and the insurance company have taken and hold
$102,000 of these bonds as part of their debt of $133,534.90,
leaving the residue still unsecured. The value of this entire debt
is contingent upon the success of the rifle company in its business,
concerning which we can form no confident opinion.
We feel bound to state, that of the total number of the shares
of the rifle company's stock which has been taken (viz., 1,885
shares), 1,455 of them stand in the name of one of the officers of
the insurance company, as trustee, thus indicating that these large
advances of cash to the rifle company are virtually advances to
that officer, or to those whom he, as trustee, represents.
The company's surplus, calculated upon a 4^ per cent, basis,
and on its annual statement of December 31, 1876, was $325,656.-
If the stockholders 1 □ epting Mr. Tracy's, are counted
as good at their face, and the unsecured debl againsl 1 1 1 * - rifle com-
pany be also counted good al its bee, without interest, the surplus
would be, if there wen- nothing further to be deducted or added,
as follow -
Surphit m above, .....
Sharps' Rme Company debt, .... 183,584.90
Stock notes. .'...... 109,950.00
Total, ....... $569,141.46'
From irhioh deduct the amount ti» be deducted aa berein-
iyen, ...... 480,984.96
Leering an apparent snrpms of . . . $88,216.49
Hut there arc other deductions to be made from this surplus,
some growing out o\' transactions already noticed, and othei
greater magnitude, growing out of matters cot yet adverted to.
The company lias been obliged, since January, 1877, to settle an
interest account with the Farmers' and Mechanics' bank, arising
from tra: v.-ial years 1 Btanding, and have paid on this
interest account $12,142.59. This was a liability not reported in
the annual statement.
We have cause- 1 a careful appraisal to be made of the company's
real estate, the result of which is that this estate appears I
-valued in the company's report to the amount of $138,379.
repancy between the company's report and our appraisal
s to require an explanation in regard to some of its
particulars. We append a schedule of the estimates of our ap-
prai- with the value at which the seyeraJ parcels
are reckoned in the company's report. The largest discrepancies*
valuation of certain parcels of real .-state in or near
which came to the company from Merrill Ladd. The
company, in down this real estate as having
ailed in a trade with Mr. Ladd.
did not cost the company in cash the amoui I
down as paid for it. but did cost the company that amounl in other
real i , by the company at its own figures in the Mad.- ;
to this whole matt ibstantial
follow
In April. 18*3 Continental company loaned to Ilaskin.
1 10,000, taking their note, with
the CJl nt company as collateral Becurity, the
company being i < >n in the State of Illinois, loci
14
at Utica, about one hundred miles from Chicago, with a capital
stock of $300,000, and managed by Haskin, Martin & Wheeler,
above mentioned. In October, 1873, Haskin, Martin & Wheeler
failed, and subsequently went into bankruptcy. The Continental
company, after a full examination of the affairs of the Cement
company, purchased the stock of that company, assuming all the
debts of the concern, general and bonded, making the cost of the
property to the insurance company, early in 1875, above $150,000.
Subsequently the insurance company exchanged the cement property
with Mr. Ladd for real estate called worth $132,000 net, and a
mortgage back of $80,000, on the cement works, making the con-
sideration of the cement property $212,000 in the trade.
In July, 1876, Ladd, the mortgagor, failed, and in February,
1877, the cement property passed into the possession of the insur-
ance company (the second time) by a foreclosure suit at a cost of
$86,783. The insurance company is carrying on the cement bus-
iness under the superintendence of the manager of its Chicago
office. A very careful examination of this property was made by
our appraisers in Chicago, and was valued by them at $60,000.
The insurance company bid in the property at the foreclosure sale
at $55,000.
We have also caused a careful appraisal to be made of the
value of most of the real estate mortgaged to the company, to
ascertain whether the mortgages were adequately secured. The
result of which is that the property mortgaged fails in the aggre-
gate to equal in value the amount lent upon it by the amount of
$61,251. We append a schedule of these appraisals of mortgaged
property, and in regard to one of the mortgages, we think it our
duty to make a detailed statement.
In September, 1875, the Continental company made a loan to
Caroline M. and Jacob Forsythe of Sheffield, Lake county, Indiana,
of $100,000 for five years, upon 7,750 acres of land situated in
said Lake county, about fifteen miles from Chicago. The interest
upon said loan, at the rate of 10 per cent, per annum, was com-
pounded for the full term of the loan, and added to the principal,
making about $163,000. On the first of January, 1876, Jacob
Forsythe, for his wife and himself, delivered to the insurance com-
pany, at its office in Chicago, five notes for $10,000 each, twenty-
two notes for $5,000 each, and one note for $3,000 (making $163,-
000). All said notes being dated October 1, 1875, and payable
five years from date, without interest. The mortgage of same
16
d with the ii On January 21, 1876, Mr.
Forsythe was invited to come to the company's office in Chic
and was then and there requested by the company, through its
etary, to make 1 new Bel ot notes, for same amount as those
already delivered, but bearing Interest, to supersede the old 1
temporarily. It was then agreed upon the part of Mr. Poraythe
to furnish the duplicate notes aa requested, and thai the original
remain in the possession of the company. Hie interest-
bearing notes for $163,000, signed by Caroline M. and Jacob
sythe, were delivered to the company at its office in Chica
January 29, 1876, for which notes Mr. Forsythe took the com-
pany's receipt gent in Chicago. Both Bets of notes were in
November last in possession of the company, and were examined
by as, the originals in the company's office in Hartford, and the
duplicates, written as bearing interest, in its office in < 'hicago. I ha
appn rained the 7,750 acres of land at an average
pria $' ' per acre —$155,000.
unfortunate troubles in the Farmers' and Mechanics' bank
have entailed upon the insurance company a considerable loss.
They were the owners of 405 shares of the stock of that bank.
and tie loss by reduction and counting the value of the
stock at U per cent, above par. is $24,948, to be deducted
- as reported.
Putting these matters together, we have the following deduc-
tions t<> irora the surplus hereinbefore arrived al
216.49, viz. :
Interest paid Farmers 1 and Mechanics' hank, . . $12,142.59
Overvaluation of real estate, .... 198,379.00
( )\<i-vahi;iti«.ii of m uriti.-. . . . 81,251.00
L<>— on FarmeiV and Mrc-hanies" hank Stock, . . 34,948.00
'I'll 11- tearing an unpairmenl against the company <>f . $286,720.59
Less i pint as above, ..... 88,216. L9
ittg, ....... $148,504.10
the company claim- that it has largely recuperated, during
the corn from lapsed and surrendered policies. The
amount of such recuperation can be ascertained only by much
labor and skill, but i mpany claimed a gain from this
to counterbalance the deductions from
its in which we had been obliged to make, d it
our oy, and did employ, Mr. D. Parks [Tackier of
snoe and >kiil. to compute
16
the recuperation. After careful examination, he makes the gain
to the company, from lapses and surrenders, between January 1
and November 1, 1877, to be $182,000. Mr. Fackler also esti-
mated the gains of the company during the current year, up to
November 1st, from premium margins, to have been $30,000.
"We estimate no gains during the year from low mortality, and
from our examination of the investments of the company we do
not credit it with any gain upon their interest account, over and
above 4^- per cent.
Our last estimate of the
Company's impairment was, .... $148,504.10
Giving now to the company credit for the recuperations
above mentioned, viz. : . . . $182,000.00
And ...... 30,000.00
212,000.00
The company has a surplus of . . $63,495.90
These figures give the company the benefit of a 4^ per cent.
basis for reserve, and counts the stock notes and the debt of
$133,534.90 against Sharps' Rifle company, as being good for the
face of the notes and debt without interest. The solvency of the
company depends very much upon the value to be placed on these
assets. The legislature can judge, as well as we can, what esti-
mate should be put upon them. Under all the circumstances of
the case, we have not deemed it our duty to treat the company as
insolvent, and make report to the insurance commissioner against
it as being insolvent, but have chosen to submit the whole matter,
with such details as we have given, to your honorable body, for
such action in the premises as you in your wisdom may deem fit
and proper.
All which is respectfully submitted.
(Signed) ORIGEN S. SEYMOUR,
HENRY M. CLEVELAND,
DAVID P. NICHOLS,
Special Commission for Life Ins. Companies.
Dated at Hartford, Jan. 4, 1878.
17
SCH]
Ink of real estate owned by the Continental Lift Insurance Company, with
tin' COSt end Hpj»rai>«Hi vVlue thereof:
i;t vi iMin: in nil. \<;o LVD VICINITY.
\,». i. Lots I, •-'. 3, block 14. Boshnell's addition to
Chicago, 90 feel on La Salle street, and 150 feet on
Map] -!.
Appraised at .....
\ o |, I..: 8, block 48, Old Town, with train.- dwell-
ing, ootl ......
$20,000.00
14.500.00
Appraised at .....
- Of X. E. \. of S W. j, Sec. 5, Tp. 40,
Cook county, 111 , oust ....
Appraised at ..... .
6. Lots 3 to 17 inclusive, M. Ladd's addition to Brans-
ton, 111., i .....
Appraised at ..... .
mb division of N. E. i, Sec 30,
...k comity. 111..
Apprai- ......
8. Lots 9, 10, II, block 5. Brown's Lake Grove addi-
tio. >n, 111., cost ....
Appraised at .....
E j lot 2. block U. W. Bobbins' park addition to
11 Qfl da •• 1 1 B Page county. Ill .
used at .... .
10. S. \V i of S. E. fc Sec. 1, Tp. 40, N. R. 13, E. P
It
Appraii .....
1 1. Lot- 2, 3, block 20, Evanston, 111., cost
Appraii .....
12. Lota 15, 16. 17, 18, north wot University -ub
division of block :J2, Evanston, III., cost
Appraised at .... .
13. I. block 31, Evan-ton, 111., c
Appraised at .... .
14 11 Ladd'l second addi
tion to 1. I,;., about 1 • -t .
.....
15. L m & Phillip'- r«- inb-division of
and 2, in block 16, Harn: ion to Chi
Appraised at .....
9,000.00
15,000.00
3,000.00
10.72n.00
1,500.00
,9.104 00
7,20000
9,322 50
6,000.00
3,500 00
2,000 00
17,500.00
5,000 00
20,000.00
12,000.00
17,500.00
13,000.00
13,1 2 5.00
I0,0i;0.o0
34,00800
20,000 00
Deficit
15,500 00
5,068.00
12,000.00
9,220.00
11,904.00
3,322.50
1,500.00
12,500.00
8,000.00
4,500.00
3,125.00
30,808.00
9,000.00
18
17. Nos. 244, 246, and 248 North Clark street, Chicago,
cost . .
Appraised at ..... .
18. So. 28 feet of lot 7, and the north 25 feet of lot 8,
block 11, in South Evanston, 111., cost
Appraised at .....
REAL ESTATE IN HARTFORD.
3. Frame dwelling, cor. Bellevue and Loomis streets,
cost .......
Appraised at .....
12,000.00
6,000.00
8,00000
4,500.00
5,100.00
2,500.00
REAL ESTATE IN KANSAS CITY, MO.
4. Lots 3, 4, 5, 22, 23, 24, 11, 12, and 13, Rice's addition
to Kansas City, 3 brick dwellings and a store, cost 22,632.66
Appraised at . . . . . 12,800.00
6,000.00
3,500.00
2,600.00
9,832.00
Total deficit,
$138,379.00
Schedule B.
Schedule of Bonds and . Mortgages owned by the Continental Life Insurance
Company, with amount of principal unpaid, interest due and accrued thereon,
and the appraised value of the mortgaged premises :
No. 73. Property cor. Clark and Barbour streets, Hart- Deficit.
ford, Conn., amount of loan,
Interest due and accrued,
Appraised at
103. Property on Barbour street, Hartford, amount of
loan, .
Interest due and accrued,
Appraised at
114. Property on Frankfort and
ford, amount of loan,
Interest due and accrued,
Appraised at
120. Property on Barbour street, Hartford, amount of
loan, .
Interest due and accrued,
Appraised at
46. Property on Barbour street
loan, .
Interest due and accrued,
$8,3 IX). 89
551.04
Garden streets, Hart-
Hartford, amount of
8,861.93
400.00
1,500.00
297.50
1,797.50
900.00
4,000.00
280.00
4,280.00
750.00
2,200.00
222.02
2,422.02
154.50
1,950.00
156.00
$8,462.00
897.00
3,530.00
2,268.00
Appraised at
2,106.00
600.00
1,506.00
19
8^. 1': Yalli-N and North streets, Willunau-
tie. OoML., amount of loan, . 18,000.00
Interest due and accrued.
18,804.67
Appraised at ..... 000.00
148, 7,750 acres land in I.akf count \ . ln.1. (Korsxtlie
loan . auiuiint of loan. , . . 163,000.00
Apprak ...... 155,000.00
189 I 9 die eounty, 111. (Cement Work-),
anu.nnt of loan. ..... 80,000.00
Interest due and scorned, .... ^88.88
86,788.00
Appraised at ..... . 60,000.00
8,000.00
26,783.00
Total deficit. ..... $61,251.00
i I.
3
\KkAl. A.88EMBLY,
January Session, A. D. 1878.
BOU8B JOINT RESOLUTION No. 46— CONCERNING SPECIAL IN-
SURANCE COMMISSION.
. That tlif special commission on in
tture of 1871 I are her<
direct standing < mmittee on insur-
rhom wnt said commie
pany, and furnish
to bb icfa further information in relation to the
they may have in their possession, and
to d> dd com-
mittee; and fur tl. id commisf hereby author
• to compel 'tit* attend)
of witnesses, and I
ion.
A it
DWIGHT MORRIS,
20
The Insurance Committee met at 2 o'clock, January 31st, in the
rooms of the .committee in Cheney's Block — being a continuation of
the matter of the Continental Insurance Company — Mr. John R.
Buck appearing for the policy-holders of the company.
There was some question as to who Mr. Buck appeared for, and
Judge Seymour stated that the resolution authorized the employ-
ment of an attorney, and that the resolution would seem to imply
" for the defence of his report." The Judge stated that he declined
distinctly to be placed in antagonism to this company or any one
else; that he had acted in the discharge of a public duty and had
no need to make any defence of the report; but he did think, how-
ever, under that resolution that somebody should appear in behalf
of the policy-holders and that he had requested Mr. Buck to appear
as counsel in that way, the commission being the parties authorized
to employ him. Judge Seymour stated that the resolution had di-
rected the commission to appear and state the reasons on which
they had based their report on the Continental Life Insurance
Company, and that he was subject to the order of the committee.
The chairman instructed Judge Seymour to proceed with his
statement, which he did, as follows :
In regard to the Continental Company, I had nothing to do with
it in any shape until some considerable time after we commenced
the discharge of our duties. In the first instance we directed the
preliminary examination of that company to be made by our clerks,
Mr. Wilson and Mr. Brainard. It was done by them I think in
June, perhaps the latter part of May. Those gentlemen reported
to us that they had made that preliminary examination, to wit:
That they had examined the annual statement the company made
of its condition December 31, 1876, and the exhibits connected
with that statement, and had found the assets which were repre-
sented in that statement to be either on hand, or accounted for as
being in the hands of agents, or as having been sold; and that they
found the cash-books represented the receipts of the money for
such assets as had been sold. That is, they found the assets repre-
sented in these three ways: they were on hand in the office, or in
the hands of agents, or were sold and represented in cash received
upon the sale. That the whole statement had been satisfactorily
accounted for. They also examined the cash-book, and found it
to be correct, and the other books and papers of the company.
They made a very satisfactory statement.
Before the duty was assigned to me to make a special examina-
21
tion of the company, our olerka brought bo us the annual Btatemeni
it up into Bheets, Bhowing mortgagee paid ind
collected, cash in hand and in ohecka, and every thing of that i
and after it was agreed thai 1 should take special charge of bhi
animation 1 Looked these papers over as preliminary to going to the
com: I cannot state now when I called the first nine;
1 did cot take any minute of it. but think it was some time in
June. 1 may have called prior to that time, hut I don't remember
it. After 1 had such leisure that I could give my attention par-
ticularly to tins company, I went down and met the president, Mr
tary, Mr. Beecher; the latter more particu-
larly. Mr. Winchester, the vice-president, I did uot see 7ery often;
ra 1 had particular conversation with. I stated to the
.-•men that it was my duty to make a thorough examination of
their company There was no objection, of course. I asked in
; !t: they said it was. I pressed
upon them at that time, or shortly after, that if there was anything
wrong about their company they had better state it to me, because
hould find it out, it would be known, and that we would do
the I iould for them. They assured me that matters were
entirely right in their affairs, and that there was nothing
We had, perhaps, two or three interviews of that kind — about the
ral character of their investments in different parts of the
country. &
I found it necessary to begin somewhere, and the first thing I
did towards a minute examination was to examine the cash account.
Their stateme ed cash in company's office, $7,014.40; cash
deposited in bank. $173,516.50. I did not exactly understand the
wrt>- ment of <■ led to me. 1 found that the $173,-
olly in the Farmers and Mechanics' Bank, but
dal deposits in Farmers and M »' Bank,
Windham Bank, $15,000; Willmiantic Trust Com-
pany, - ss in checks or cash items
. with the account, but did not follow it up so
fully as r ilar objection to it, thinking il mig]
a m<> _- I did not understand. 1 do not remember
that I . touching this matter of the cash account
pting the book-keeper. 1 never called it particularly to Mr.
: found by the ; oich had been Left with us by
our i that the company had sold an immense amount
it seemed • i me, after January i 1877. It sh.«
22
the total amount sold $341,847.25 from January 1, 1877, to June.
I found that they had sold securities which seemed to me very val-
uable :
U. S. Bonds, $219,425 .
" " 55,531
Windham town bonds, .... 35,000
Willimatic Linen Co., .... 13,000
and had collected quite large amounts on their mortgages.
It struck me as singular that a prosperous company should sell
so many valuable assets. After that, I made a thorough examina-
tion of Mr Parsons and Mr. Beecher on this subject. I asked them
to state what investments they had made, why they parted with
these valuable assets, and what induced them to make the change
— finally, in the course of conversation, I turned particular attention
to these U. S. bonds, and asked why they had sold them. Mr.
Beecher turned to me and said, " The truth is, Judge, we didn't get
the money for those bonds, and we didn't have the money from
those bonds to invest." I turned then to Mr. Parsons, expecting a
contradiction, but Mr. Parsons assented to it as being so. I cannot
repeat in detail what conversation ensued, the substance of it, how-
ever, is very distinct on my mind — they stated that there was
trouble between them and the Farmers and Mechanics Bank in
relation to those bonds, that the bank claimed them as theirs. I
said, If you owned the bonds, you have got a good claim against
the bank for the proceeds, or have got the money. There was no
satisfactory answer to that. I had entire confidence in the gentle-
men at that time. I went down again on this same subject, then
called for the books. I found the account of sale of $55,000 bonds
satisfactory. Then the question as to the $200,000 bonds came up
again. I made up my mind I would go down to the Farmers and
Mechanics Bank to see if I could find out anything there about
these bonds. The bank gave me at once the state of the matter as
they claimed it. Mr. Daboll, an experienced accountant, had drawn
off a statement of the entire account of the Continental with the
bank. All I learned at that time was simply that the bank had
bought those bonds for the insurance company, expecting that the
insurance company would take the bonds, but that the company
never had paid for them, and that inasmuch as they had not paid
for them the bank had therefore sold them and taken the proceeds
to reimburse themselves for the purchase. They gave me the state-
ment which I hold in my hand, by which it appears that Jan-
•J.",
nary 5, L877, the bank had purchased «-ii account of the insur-
ance' - ur-and-a-half per cent, bonds — the ir
oace elf to be the
owner of the I found on the :
January, L877, tha I hatch was purchased which .
100,— they were purchased for $219,435.
LOth February, 1877, the bank began to sell the bonds,
sale on the 2d March, L877, selling them for $218,-
'.'71 !
. Beecher i ad M-
were righl in Baying that they had never received anything for
the conclusion thai if they had
ived not! them that they did not have any valuable
interest in them, ami that they had included $200,000 in their
annn tent in which they had do real interest These bonds
were, mi red bond* r they were purch
it to Washington by the hank, and registered!!
nam- pany — not all of them, but
portion The bank hel< _ r of attorney to sell
the • - >me <>r the officers of the Continental, hut i*
nil required at V. >n; they therefore
B I LB lerstood if. a power of attorney to sell upon the
bon<: At what time ir was procured I do not know
!i at the Fanners and Mechanics Bank.
h nir by the officers of the hank that the hank
neve'- with the bonds up to this time.
I have an impression that the | \tken over r«.
• company's office for the purpose of g »wer
of transfer, hut 1 do not know certainly. 1 then went hack and
at what they .-aid in
:' the sale of the
afirmed I i Learned at the bank. A
time I • any, and
foui b l'-'. f877, •
. for U. 8 - - 9, 125. T '
ed to. i -
ould tell the truth. I them «
thus
' •• Parsons seemed to know hut very lit-
tle ;-. vafi a m;r
my exa. h of
24
December, 1876, according to the cash book, the company had
paid for these U. S. bonds, in the first place, $108,125; in the next
place, $21,487.50; next, $45,412.50; charging as if that money
was paid on the 30th December, 1876. I did not like that, and
called the attention of the book-keeper to the facts. I found that
those bonds were not purchased by the bank until the 5th of Jan-
uary, 1877. I had supposed, until then, that the cash book was
kept from day to day. I had been, when young, in a country
merchant's store, and kept cash books in full from day to day.
Capt. Haiks said that those two entries were necessary- to balance
their books; that is, having put down that they paid, they then
had to put down that they had received, which made their books
balance — which it did, undoubtedly; but the annual report to the
department represented that they actually owned the $200,000
government bonds, when, in fact, they did not own them. I did
not like it all, and so stated to them. The bonds appeared, by the
books, to have been paid for by the company, when, in fact, they
had not been paid for; and appeared, by the books, to have been
sold, and cash received for them, when, in fact, the company had
not received the pay. The purchase and sale were' merely on
paper. An explanation was then offered, which, for the time, was
entirely satisfactory. I accepted it, and supposed it was right. 1
cannot say whether that explanation came originally from the
book-keeper, or from some one else, or whether I worked it out
myself in part. That explanation was this: (I will here remark
that the accounts between the bank and the company were kept
upon the check-book; they had no ledger account with the bank.)
They put on the left hand leaf of the check-book their deposits,
and on the right their checks, with stubs to tell the amount and
purpose for which the checks were used. I found, by looking at
the account, that the Insurance Company had, December 29th,
1876, a very large amount on deposit with the bank, and that on
that day the company had drawn its checks in favor of John C.
Tracy to the amount of $224,000, and the company had given the
bank credit for this check. Now the explanation, in substance, was
this: that, although the company might not have actually bought and
owned the bonds, yet their deposit in bank was reduced $224,000
by the credit of this check; so that when they made their annual
statement, if it had not been for the credit of this check, which
was given for the purchase of the bonds, they would have had
$224,000 more to report on hand as cash in bank, so that no real
harm roe to the public. This was entin actor} to
me for the time being; for if those deposits r<-all> existed, and if
the company did, in fact, have the amounl oi depoeitfl thai the
company diowed that they had, it would have mad.
difference whether the bonds wen actually bought or cot, because
then- cash in bank appeared bo much less. 1 had not, up I" this
ticularlv examined the accounts at the hank. 1 look it
granted that the company really had the amount of money in
the I SSented by the Check-book. 1 then went down
to the hank. All of the entries made upon the pass-book of the
£45,969.75, $133,534.90, $20,966.40,
,n. s:;:..iioo.
rod by the pass book that this large amounl of deposits was
made on one and the sameday, December 30, 187<i. I found that none
of these large I to the company on the books of the
bank. (There were two credits of $4,670 each, I accepted as being
correct.) I could not see why, if the insurance company claimed so
large an amount as this, and the hank gave no credit for it, that
there should have been no more fuss about it — being a matter in-
volving nearly s::oo,000. The company had never up to this time
said to me that there was any dispute between them and the bank-
et with regard to the bonds. I examined the books of the
i»ank with care. I did not know but that the bank was wrong; but
that Mr. Tracy, having been president of the bank, had failed to
the company for what he ought. 1 was not satisfied
thai - not a jusl claim against the bank for the deposits
charged on the hooks of the company, inasmuch as they also ap
ok of the company in the handwrit in.
Mr. Tracy. 1 saw Mr son, and from him 1 Leal
what 1 und< first, to wit: that the charg
• which tlie company had b
and was ool wholly baseless "i- fictitious
• was a : iid for a t ime i devoted mj
aim • ion of that matter. Mr. Tj
ould find on the books of the bank a history of this
lerstand that Mi-. Parsons testified thai
. i been deposited with the bans
lung which indicate^:
■ ary. the histor} indicated
The real object will appear by this I
1 traced it out on the DOOkl ol the hank. 1 will propi
at length.
4
26
The notes passed to and fro from time to time between the com-
pany and the bank, and especially between the 31st of December
and the January following, being about the time the company
makes up its annual statement. These notes were in a package by
themselves, and were marked as so much cash, and the teller counted
them as so much cash. These notes were dated July 1, 1874; prior
to that time the company held notes of its stock-holders which were
merely guaranteed — not negotiable. The new notes were payable
at the Farmers and Mechanics Bank thirty days after demand, with
interest, according to my recollection, after thirty days.
On July 29, 1874, very shortly after the date of the notes, the
company received credit on the books of the bank for these notes,
$180,000. In the teller's cash, the item appears as a cash item
of $180,000. On the 30th of July, the notes were taken back by
check signed by Mr. Beecher, secretary of the company; that is,
the next day after the deposit; the check was payable to no one
and was indorsed by no one; the $180,000 was carried in the tel-
ler's cash three days. The next time that package of notes appears
was on the 31st of December, 1874. On that date the company re-
ceived credit at the bank for $206,447.16, consisting of items con-
nected with the $180,000; these, with $9,407 added to it, were
carried in the teller's cash from December 31, 1874, to January
19, 1875. On that day it was lifted from the cash by a check made
by Mr. Parsons for $189,407. On the 20th of January this check
was debited to the company — payable to the order of no one.
The capital stock of this company is $300,000, of which $120,-
000 was paid in cash, and notes given for $180,000. Those notes
were not indorsed by the company, but by individuals. This pass-
ing to and fro of these notes had an important effect in the state-
ments of the company. In December, 1874, the company reported
for the first time its capital stock as being full paid. It was paid
in this manner: by the passing of these notes into the bank on the
31st of December, 1874, and then passing them back to the com-
pany on the 19th of January, 1875. If by this passing to and fro
of the notes they were converted into cash during these twenty
days, then the capital was paid in full, otherwise not.
It is very obvious that these notes were not discounted at this
time; if they had been, there would be some excuse for what was
done in representing the stock as being paid in full. The notes
were not such as banks usually discount. They had already run
six months, although payable thirty days after demand. From
87
this time onward the company rep • capita] stock m b
fully paid up.
notes having been taken out of the bank by thii
is?:., remained in the hands of the company
until Ju;,< J \ L875, On that day they are again charged I
item to the ban >>. and of con
cash item by the company.
Q. [By Mr. Freeman.] Has the bank ever shown you an)
■ which those n» tee appear to have: . anted?
A \ h' ;':. 3 \wiv spread on the rec< >rds < »!' the
bank ranted, it would be strange that they remained for
re tlicrr li.-ing a demand for into:-.
Q. [By Mr. Freeman.] Had they stated to you that they were
rod on the books of the bank as discounted?
A >'• a, sir.
Which office
A. All of them.
Q. [ By Mr. Perkins.] If on June 29, '74, the amount of these
I »ooks of the bank went to the credit of the company,
it increased their cash account just so much ?
A It did.
Q. [By Mr. Perkins.] On December 31, '74. the amount of
IS also entered on the books of the bank to the
credit of the company, so that increased their cash account so
much ?
A. It increased their account so much. In June, '75, this
9,907. 1 6 is charged as cash on the books of the company to the
bank. It is not credited on the books of the bank to the company;
this | - 7 16 is exactly the discrepancy between the books o;
company and the bank, from this time onward, up to December
30, '76. with the exception of two checks amounting to si 16,1
drawn January 11. '76, upon the bank by the company, which
checks are not charged by the bank to the company until long
after. Those notes remained in exactly that situation from June,
me when the statement was made, December.
Thus much for the stock notes. I then pursued my investigation
to see whether these various charges of deposits made December
30, 1876, were good; to see whether the company really had a
bonA frdr cha: ost the bank for tJ
i upon the boo \fter
28
finding that there were no such credits at the bank, I asked the
bank officers if they had settled with the company. They said they
had mainly settled but there were some items of interest unsettled.
The bulk of the account was settled without any claim being made
upon the bank for any of these charges. I concluded, therefore,
that those charges were bogus.
After so finding, I concluded that the explanation which had
been made, that the credit of the checks diminished the amount of
deposits, was entirely unsatisfactory, for, inasmuch as the charge
of deposits was not genuine, the credits of the checks amounted to
nothing; the checks were valueless, and the charges were value-
less, and the deduction of the checks from the charges was merely
taking nothing from nothing.
After this I became fully satisfied that those charges were
groundless, and that I had been deceived in this matter of accounts.
I went back to the company, not with a feeling of hostility, but
feeling that things were not right, and expressed myself very fully
in regard to it. Mr. Parsons made an explanation in regard to
many of these items, which satisfied me that it would be unjust to
treat them as wholly lost. He stated of what those several items
consisted, and that they were not wholly fictitious, and that the
company were entitled to credit for whatever those charges repre-
sented. I had not before this time thoroughly investigated any-
thing but this matter of the U. S. bonds and stock notes.
I understood from Mr. Parsons at the time that the $133,000
consisted of matters connected with the Sharps Rifle Company.
In looking over the minutes of the testimony taken here, I see there
was a good deal of talk about an item of $168,000. I never had
heard of any item of $168,000 — it never got through my head
what it could mean until last night I found that by adding $133,-
000 and $35,000 it made $168,000. Mr. Parsons and I had never
made any combination of the two items into one.
Mr. Parsons represented that Mr. Tracy was largely interested
in Sharps Rifle Company; as much interested as the company, and
more too; that led us to a careful examination into the value of
that asset. 1 did not like the idea of an investment of that sort by
the Continental Company; it seemed to me not a proper manage-
ment of trust funds.
I went through the building and books of the Sharps Rifle Com-
pany, and found them what I have stated in the report. I found,
as I supposed, that the bulk of the stock of that company had been
m
owned by th< asuranoe company. I found, I
•his time all that Mock had been c on ce n tr ate d. The
whole amount of stock taken was 1,886 shares, and of this, i
aharei 1 or a od in the name of one of the office]
the :• company ;.s trustl
It Beemed to me to be curing trust funds to build up a busu
of their own. The property itself, however, is a valuable prop
the machinery appeared to be good. 1 thought in that rea
Fas right, hut that the value of such an asset as thai
i wholly upon the of the Rifle Company in b
ness. The committee mu>t decide what shall he done in regard to
property thus invested. 1 cannot say that we approved of the
management of the company in these various matters.
Mr. Tracy was undoubtedly as much t<> blame as any of them.
— very likely more so. No part of this si .",:;. 000 was put down
ll was m cash as a cash item. I have no
• Mr. Tracy, being one of the financial agents of the company.
and also president of the hank, had advanced this money with
rangement between them as to its division. When this
as made to secure this indebtedness, th,
certain bonds which represented this Indebted] e
bom; ivided between the company and the bank, by tin
hank taking $47,000, and the insurance company $102,000, which.
I suppose, represented the respective interests of the parties in the
debt
I never received any satisfactory account of precisely what this
$133,000 consisted of. Mr. Parsons called them vouchers for
y advanced t<> Sharps Rifle Company.
Judge Seymocr's statement continued. Tuesday, Feb. 5, 1878.
I am about to call the attention of the committee to the D
the purchase, by the Continental Life Ins. Co., of its own
In order to explain fully my views of that transaction, it will be
now, instead of breaking into my b(
•<*r, what I have to say in regard to the dividend-
company paid to its stockholders. The company, from 1870 down
I - iividends of $2 1,000
annually. The committee will pel
. the amount of < I in. S 1 L'O.
• amount actually paid in. and I be no claim
30
that anything more was paid in prior to 1874. I state that here,
because it serves as an explanation of what I am about to say as
to the company's purchasing its own stock. I may notice here that
it is precisely the same thing that occurred in the Charter Oak Life
Insurance Company.
Q. [By Mr. Freeman.] Please state when the company com-
menced dividends.
A. In 1864 there were no dividends; in 1865 there were none;
in 1866 there were none; in 1867 there were $6,000; in 1868
there were $12,000; in 1869 there were $12,000; and then in
1870 began what I have spoken of.
Now to return to this matter of the company's buying its own
stock. I supposed when I drew up the report that it was a settled
matter. It was perfectly settled in my mind, and I was thoroughly
convinced of the fact, and did not suppose that it was then con-
troverted that the company had bought its own stock, but I find
now that Mr. Parsons puts a different construction upon it. It is
therefore proper, inasmuch as I differ in my conclusions from
Mr. Parsons, that I state the grounds upon which I came to that
conclusion ; and I shall ask the committee to hear me state these
grounds, that they may judge for themselves whether I or Mr.
Parsons is right. Mr. Parsons' testimony I hold in my hands. I
presume it is correct. I have a printed copy. I will read.
[Judge Seymour here read as follows :]
Q. What arrangement, if any, was made for money for the
purchase of the stock — 4,670 shares of stock ?
A. Mr. Tracy bought it.
Q. Well, bow did he pay for it ?
A. We loaned him the amount; he paid for it at different
times.
Q. What did he give you as security ?
A. Certificates of the Farmers and Mechanics Bank.
That is enough. You have this statement of Mr. Parsons to show
how different it is from the conclusion to which we came. Now
in the first place I heard this story, — a similar one to this — and I
didn't credit it, and I will state on what grounds. ' In the first
place, it appears from the statement given by Mr. Parsons, that if
this money was lent to Mr. Tracy, instead of being lent in what I
call the ordinary way, by taking a note from Mr. Tracy, or some
31
obligation of him, the companj took the obligation of hu >
Well, that is i transaction such as I never heard of. I don't
know but it may 1h> usual. I never knew the cashier of a bt
\ money for his own use, and give the obligations of the
bank for it. If he borrowed money, it seems to me he would give
-not the obligation of the hank — f«»r it. In the ncxi
. i^\' the hank's certificate thai was given \<>
M: Parsons by Mr. Tracy, for this money. The form <>f certifi-
•).*] Now they must all of them have known
that the Continental did not deposit tin 1 money in the bank. In ■
of this, Mr. Parsons says they lent the money to Mr. Tracy. It
osd to me, a contradiction upon its face, and
1 gave as little credit to the lending as I did to the false certificate
of deposit. Another thing that struck me as exceedingly strange
thai Mr. Tracy — a man of property — if he wanted stock, and
wanted to buy it really for himself, — that he should want to borrow
money of the Continental for it ; and especially that he should
borrow it in this way, and continue to be a borrower from this
time. October. 1873, down to 1877 — a continual borrower — a bor-
rower of the precise sum that he paid for the stock. 1 have been
in the habit of investigating accounts a good deal, and it Beemed
to me that all this was out of the ordinary course of events, and I
concluded that there was something that didn't meet the eye. 1
concluded that the truth was, that this stock was actually pur-
chased by the Continental company with its own money, by Mr.
Tracy, and that the Continental company owned this stock from
beginning to end, and that these certificates of deposit were merely
anient cloaks to cover up that ownership. It will readily In-
perceived that it would not do for the insurance company to show
upon its books that it was the owner of its own stock. \n the
place its charter did not allow such a use of its funds ; in tin-
second place, the use of the money in that way, by paying the
*Fahmkks ami Mechanics National Hank.
Hartford, , IS— .
.
$ •
f s Hank do
prop' <ed.
, Qathier,
, Teller.
32
stockholders what they had put, in, was really taking out so much
cash that had been put in as capital, and in this way $125,000 of
money actually put into the company as capital had been with-
drawn to pay a portion of the stockholders — not the whole
of them. It did not seem to me that this was right. 1
learned from various sources, from Mr. Parsons as well as others,
that in 1873 there was a violent contest over the stock of the
insurance company. In this contest it became important for those
who were in the management of the company to secure as much
of the stock as they could, and the arrangement was that the stock
should be purchased through Mr. Tracy — that he should hold it —
not as his own, but as trustee of the company. Now I notice that
in the testimony of Mr. Parsons on this subject he is asked —
Q. "What did Mr. Tracy do with the stock he bought ?"
A. "He took it in his own name, just as he wanted it, in
whatever way he desired."
Now there may be some error in that ; if so, I desire to do Mr.
Parsons the justice of allowing him to correct it.
Q. [By Mr. Freeman.] Did you mean he took it in his own
name or as trustee ?
A. I mean just as I read it.
Q. [By Mr. Freeman.] The transfer book shows better than
that.
A. Exactly. Mr. Tracy, instead of taking the stock in his
own name, as of course he would if he bought the stock and
borrowed the money to pay for it, in . fact he took the transfers
of the stock to himself as trustee. [The book was here
handed to Judge Seymour, and he proceeded.] I begin with the
13th of September. It is conveyed to John C. Tracy, trustee.
Well, if he bought that stock and paid for it, and borrowed the
money to pay for it, I do not see why he should put it in his
name as trustee. I took it that he was trustee for the parties who
furnished the money with which it was bought. It is agreed that
the Continental took out of its own funds the money which pur-
chased the stock, and, as Mr. Perkins knows, who is familiar
with the law, the party who furnishes the money that purchases
property has a resulting trust in it, but here it was shown, on the
face of it, that this property was purchased by him as trustee ; 1
therefore concluded from this, in connection with these other
facts, that Mr. Tracy merely purchased this stock as trustee for
and h< for the company all this
time, and that t 1 ined th»> way that these certii
-:t ran through all the-
Hut there is another thing that satisfied me folly. Now, it Mi-.
Tracy was the al»s.>lute owner of this stock, why. when there came
trouble in the bank, it would be very apt to !>,• Beized a- his prop-
ped to him as trustee, it could not I.e. If it was
•aid be.
the loth oi February, 1^7 7. Mr. Tracy, a: the request oi
the company, transfers this stock to cue of the officers of the com-
V arson who was then an officer of the company ?
A. Yes, sir. — well. I don't know. It was transferred ai
request of the company. If he was a trustee of the company, it
- Lould transfer ft t«. s. »me one els-
and of course the committee will sue that, having thus
sd t" the company, at the request of the company, the
which these certificates of deposit we
he would become entitled to the certificates of deposit, how-
valuable they might have been, or whatever their character
may haw been. N<>w he delivered hack the very property
which he bought (<>v the benefit of the corn-
That Beemed to finish the transaction to my mind. Of
rse he was entitled to these certificates, even if they had
I : but the conclusion I came to was this, that
corn] - all along the owner of this stock, and that these
up U targe against the Far-
mers and M' Bank of $133, was to cover up the loan
had been made to tic- - Rifle Manufacturing Company ;
- 36,000 was, in my judgment, used to cover
up th
• e company held in .January.
i forthecomp
.1 toput into t! ueut
of asset.-
hese deposits. These dep
put in .;
fun.: it which
apanv to have in sight I ma
34
uncharitable in my judgment, but that was the conclusion that I
drew from the facts.
Now as to the question which seems to have been mooted here, as
to the value of these certificates of deposit. Mr. Perkins put it ex-
actly as any honest man and good lawyer would. (Judge Sey-
mour here reads from printed copy, commencing, " Would not the
bank actually have been holden on these certificates ?)
Mr. Parsons answers, I think it might have been.
Mr. Perkins says, It seems to me the bank would have said to
the insurance company, We have never received any money for
the deposit ; that was an arrangement that you made with Mr.
Tracy. He, it is true, gave you the certificate of deposit on the
note at the bank, but the bank was not responsible, because it was
given as without any assets; being in the possession of the bank, you
should not have drawn any money on his giving you a certificate
of deposit, because you knew it represented money you did not
put in there, the money being drawn out in checks, they supposing
Mr. Tracy would make a special account."
Referring to the fact that although it is claimed that the Conti-
nental Life Insurance Company had put money into the bank,
every one must see that the company had put none there; and
therefore they stood no chance to recover on that. They knew
that the circumstances showed no foundation for any claim of that
sort.
Q. [By Mr. Perkins.] What I have said there, that you have
read, was addressed to the committee as I supposed the bank
might have said.
A. Exactly. The bank would. have said that, and with perfect
truth. If you claim that they deposited money here, the bank
would say to their claim, " You never did deposit any." Instead
of taking Tracy's note you took the obligation of the bank. I do
not know but a bank officer may borrow money for himself and
give certificates of deposit, or post-notes, and bind the bank, but
I did not suppose he could. I regarded it as the sheerest cover.
If I am uncharitable about it, then I am wrong in regard to what
the insurance company did. This, however, would make no dif-
ference as to the solvency of the company, because, anyway, the
certificates are given up, and no claim is made upon them.
But there is another matter in connection with the certificates.
This money was not merely represented by $104,516 of certificate
ml it was represented by i depo (6.40, making
which was paid for tin- stock, and which
• to Mr. Tracy. Taking, now, thu
.- Mr. Parsons, i loan made to Mr. Tracy <»i' sij..
;>■•- Mr. Tn it it ? 1 1
[876 — writes down upon the pat
• — ■ credit to the insurance company by the bank of
Qtmental Company, on it- own books, on
that day. make a charge to the bank <>t' th< they had lent
If thai is not an unusual transaction, 1 don't !.•
wha at know trot that is all I d<
I ought, peri Id one thing. When Mr. T
al Life [nsnrance I
pany pital, he didnt doit as an individual but as a
|70,050 his : made by him as
individual. I take it that all of them understood
that b for the Insurance Co.
Hie next matter in order is the purchase of the Windham town
bonds, or inquiring of Mr. Parsons at an early day,
louht whether these bonds had actually been bought
byth He said they did not get the bonds
on the first ry. I queried about that, as the statement
shows that they were on hand on the first of January. But he
•hat although he did not own them, he had paid for them, as
I understood him: 1 may have misunderstood him; but 1 fully be-
lieved, and suppose now. that he said that he had actually paid for
them. But he said certainly he was entitled to the same credit as
if he had bought the bonds and paid for them, on account of the
manner in which they kept their books; and thereupon I examined
the books, and almost the same explanation was made as was
made in regard to the United States bonds. I was shown the
books in which the bank had been credited with the check, which
:k was st been given for the purchase of these
bon- 1 was. that even though the bonds were
not bought or paid : mch as that check was <s.
befo: unary, it was pre< with
l>een
for. r>ecause that check was taken out of the deposit and c
had on hand on the first of January : and if it was taken
out, the only effect of their not having the bonds was. that I
86
had just so much less cash deposited than they would have had.
That that, in other words, was taken out of the cash on hand, and
it would have been represented as cash on hand if they had not the
bonds ; so that they either had the bonds or it was the same thing,
because they had taken it out of their cash, so that their cash was
so much short, and the thing was equivalent. In book-keeping, I
know, things are sometimes admitted as equivalents, and I didn't
then see but there was a real equivalent, so that, though the statement
was untrue in point of fact, the public did not suffer in consequence
of their being represented as the owners of the bonds. That was
satisfactory to me for some time, very much as the same state-
ment, or a similar one, was in regard to the bonds. When I came,
however, to find that the credit of $35,000 on the pass-book, on the
strength of which the check was drawn, was an imaginary deposit,
and not a real one, I saw that no ground was left on which the
equivalents could stand. Now that leads me to speak of the
$35,000 deposit. I never heard, as I said the other day, of that
$35,000 deposit being at all connected with the $133,000, making
$168,000. It was a new thing to me.
[Judge Seymour here asked for the pass-book, which was handed
to him.]
The entries in the pass-book are in the following order:
$133,534.90
20,966.46
186,907.16
4,670.00
4,670.00
35,000.00
The two items of $133,000 and $35,000 are thus separated from
each other by four intervening items of large amounts, and the
two items thus widely separated I supposed had no connection
with each other. This $35,000 is the last item of these fictitious
deposits, and on the day these entries were made a check for
$35,000 is drawn against this deposit upon the stub of which is
a memorandum that it was for the purchase of Windham bonds.
Mr. Tracy gave me a graphic account of the manner in which
the entry of $35,000 was made on the pass-book. I will only
state here that he said the $35,000 was entered on the pass-book
to enable the company to give the check it did give for the same
amount.
:::
1 ;i'w;i . and do dow, that the debit
entirely out of whole cloth, that there was aothing to r e pr e s en t
it. that there was aothing to cover by it.
tnpany at first claimed thai these bonds had really been
purchased by it. To ascertain how this was. 1 directed my atten-
tion . . iy .lay to the accounts of the Farmers and Mechan-
lank. It" the bonds were purchased, they were purchased by
(the - i check and paid for by it. 1 had the accounts exam-
ined carefully by Mr. Oaboll, and found that that check had never
. — at any rate by the Farmers and Mechanics Hank; and,
therefore, its issue was DO damage to the Continental Co., because
.1 not been paid. It was given back, and so, if that check
coarse the company never suffered anything by
the check, and never paid, therefore, by means of the check, for
these bonds, and there was never any other way suggested by
which they paid for them.
I notice thai Mr. Parsons in his testimony speaks of $30,000
of Windham bonds with which the company had something
to do in the « Iharter < >ak bank. There undoubtedly was in April.
or la' e such transaction as Mr. Parsons states He once
made a statement to me to the same effect, but long before these
-actions with the Charter Oak bank took place, the Continental
company had entered on its cash-book under date March 12, 1877,
that it had sold its Windham bonds, and received for them
"00 in cash. Subsequent transactions in Windham bonds
with the Charter Oak bank, are wholly foreign to the inquiry
whether the Insurance Company owned or had paid for the bonds
inventoried a- owned by it in its annual statement.
1. therefore, came to the conclusion, that, in regard to these
bonds, as I expressed it briefly in our report — in the first pla<e.
the insurance company never owned them; in the second p
that aid for them; and in the third plan — which
to me im] —that the hooks stated that they had sold them,
when, in fact, they could not have sold them. In tact, 1 think it
will turn out tha" Dot issued until after the time
D
U was explained to Log honest to put it down in that
way. in order to make the they having charged
as hi ••erssary for them to credit
the bonds as ha- D Bold. it was a mode of book-keeping
IS not familiar with. ]♦ happened tha* my early education
38
was that of a merchant, with a thorough old gentleman, and this
matter of equivalence I never indulged in. I do not believe in it,
and it seems to me that it would be monstrous if our insurance com-
panies and banks were to keep their accounts in that way. What-
ever may be the condition of solvency or insolvency of the com-
pany, I thought it was proper to bring this matter to the
attention of the committee. I have not brought it out in the
report, but think it proper to bring it out here before the com-
mittee.
I have said that these books, so far as the books are concerned,
are neatly kept. They balance perfectly. The only difficulty is
that the entries were not true. That is, all these deposits are
entered upon the books, and the disposition of those deposits
also are all entered, and they exactly correspond with the annual
statement of the company in every particular.
The books and the annual statement confirm each other to such
an extent that our clerks that we sent there regarded them as
entirely correct, because they corresponded, and when I first saw
them I thought they were correct, and supposed they were right,
until 1 saw that these entries of deposits were not, in fact, true,
and that these entries of payments for bonds and sales of bonds
were not, in fact, true — either the Windham bonds or U. S. bonds.
Q. [By Mr. Perkins.] It does not say anything about the sale
of them.
A. Well, it says received. It is on the side in which the
receipts of cash are entered.
That is all that I suppose that it is necessary for me to say in
regard to the Windham bonds, at present at any rate.
The next matter which I ought to speak of is in regard to two
checks, amounting to $116,625. I do not think that Mr. Perkins,
when he comes to see it exactly, will differ from me at all about it.
The $116,625 checks were drawn January 11, 1876, and the entry
upon the stub of the check, was that these checks were given
for the purchase of bonds, and they undoubtedly were, and the
bonds actually purchased during 1876. All that was irregular or
unusual about it was, that there was nothing found on the books of
the bank that corresponded to that check. On the books of the
bank there was nothing to meet that check. I forget exactly how
much the deposit was, but nothing like $116,625, in the account of
the bank with the company. The difference, and the only differ-
ence, between the bank account and the account of the insurance
39
company at that time, was this: that in the insurance Company's
.tit t lu>\ ha<l charged, June, LC 39,907 t<» the Pan
ami Mechanics Hank, ami. of course, on the books of the insurance
company then' appeared to be funds to draw upon si 16,625; 1 mt
the Farmers ami Mechanics Hank had given no credit for that
- - The daic of the check was .January id. 1876. There
Was nothing to answer to it. and the Consequence was. that Ml".
v kept that check in his own hands as an obligation against
the company) treating it just as he would a note <»t* the company.
(>n the strength of that check, as an obligation that he could
me or another against the company, ho purchased Borne
United States bonds, (of the unreal deposits there is a thing, how-
that perhaps I ought to call the attention of the committee
to. and. bythe-bye, 1 have not done so in the report. There
itious deposit entered upon the books of the Farmers and
Mechanics Bank to the credit of the insurance company, which
was not charged at all, $86,000; it is only $86,000 this time that
was on the books of the bank; that was on the 31st of December,
the Continental has credit $86,000 which is not charged by
the company to Farmers and Mechanics Bank ; that $86,000 was
a package ; it was carried in tin* cash until the morning of the
24th of January, when it was. in the language of book-keeping,
lifted from the cash by a click, and it stood then only twenty days;
it is one of those things that went forward and backward about
the first of January. 1 have said nothing about this in our report,
J examined this matter with some detail myself, and although 1
did not think it entirely right, I have said nothing about it in the
priii' -. and perhaps it is unnecessary to say anything about
it now: if the policy-holders desire to call that out, I will sta'
but I will not now.) I will simply now explain our report, and the
nds upon which we came to the conclusions that we I
reached. This $116,625 then remained outstanding at the
time of the explosion, as it is termed, about the 8th of February.
This check was not entered at all on the books of the Far
ink; it was entered on the books of the Contim
•mpany. The Continental I - irai a I
had charged the bank $189 904 which the bank had not cred
on the faith of th rare drawn.
thing wa« fully expla as by M
There can be no doubt about it; the ch< ained out*
and
40
the company was obliged to pay, and they did pay for them.
It was a liability like any other, but was not reported 'by the com-
pany as such. The checks were used the same as a note. I pre-
sume the committee understand this. That being so, it dis-
poses of all these matters which are brought to the notice of the
Legislature in our report, and the question then arises as to ex-
actly how much all these matters affect the solvency of the com-
pany; that is, how much less it is worth than its inventory indi-
cates, or its annual statement represents. Now the committee will
please listen to me while I state what my idea is of how
much these various matters affected the solvency of the company.
I will here say, however, that my attention was drawn more par-
ticularly to ascertain what the management of the persons had
been who were in charge of the company, rather than to the ques-
tion of solvency. I was satisfied that the company was not deeply
insolvent any way, and was in hopes that it would turn out so far
from insolvent that we would not be obliged to report it to the
Insurance Commissioner, and it turned out so, and we reported to
the Legislature instead of to the Insurance Commissioner. The
true mode of ascertaining how much all these transactions affected
the solvency of the company, was, in the first place, to strike out all
those unreal charges on the one side — all of them, $133,000,
$186,907, $20,966, $104,516, and the $35,000; they were all to be
stricken out because they were not debts against the Farmers and
Mechanics Bank, as the books of the Continental Life Insurance
Company represented them to be, and upon striking them out, it left
the insurance company poorer by just so much as is stricken out,
because all these deposits were represented in some form or another
in the statement of the 31st of December, 1876; they were all rep-
resented there ; they were drawn upon as if they were real de-
posits. For instance, the deposits that were drawn by the $224,000
check is represented in bonds of the United States, the $35,000
deposit that was drawn to meet the $35,000 is represented in
Windham bonds, and all these were unreal, but appeared upon
the books of the insurance company, and in the annual report, so
that everything was represented, and that is the true way of
getting at the amount of the deficiency. It is very easy to state
it in another way that proves it.
Q. [By Mr. Perkins.] We shan't differ about it.
A. No, I don't suppose you would, but I will state the effect
that this had on the solvency of the company in another way.
41
There is to i»« i deducted from their inventory of Dee. ."> () . I
$219,425, which is the United States bonds which they didn't have;
to be deducted from it for Windham bonds, $35,000, also $104,-
int of this certificate of deposit. The o be
icted from their statement $116,625, which wasaliability which
were obliged afterward to pay. and which, of course, mines
out
Those three items are items included in the statemeni thai did
aot exist, and the $116,625 is a liability upoo the company thai is
net These added together make $47 the
it; in the other mode of making it. was $480,92 I. leaving the
That $5,358 is in the cash account that I first
lid not agree to, and several cash items in that which
hat had been drawn and didn't appear in the
I had cyphered this out in these two ways, I saw
le to the same thing; I thought the simplest way was
■ike out the charges not allowed by the Farmers and Mechan-
.: ing that as amounting to nothing, and, of course, the
company lost so much. I don't know as it is any credit to be
indorsed by one who is in the state prison, but Mr. Tracy was a
capital accountant — one of the best in the State; and when I sub-
him to look them over, he gave me the result
in three minutes, as above stated. As I said before, it is a mat-
ter of very great indifference to me whether the company !
little more or a little less; if they have anymore than I have given
it credit for I am as glad of it as they can be; it cannot vary from
what I have stated but a trifle any way.
i far as these items are concerned, they form a chapter by
themselves. I don't know but I am done with them, unless there
are some exp! which I ought to make, and one I will make
in this place, and perhaps others may be suggested to me. In
rd to the stock notes and how much they should be now cred-
ited in view of what has been done since, I felt it my duty
at a certain stage of the case to make a suggestion to Mr.
d to these stock notes. Mr. Parsons may I
-ent. Our duties were confined to examining into facts
and make reports thereon. Mr. Beecher wai >nal
friend of mine in school-boy days, and I felt an interest in him, and
• in regard to these stock notes there was a very easy way
for the company to put itself somewhat fore the public
rd to the : ! suggested thai as in the statements
6
42
resented those notes as paid in full, the only- way now is to have
them paid up in full, and if so, it can properly be said, To be sure
they were not paid at the time, but they are all paid up now, and
whatever injury the policy-holders or public may have suffered by
our previous reports is now made good by the payment of the notes
in full ; and it seemed to receive Mr. Beecher's assent, and I supposed
it did Mr. Parsons'. The matter lay in that way for some time,
and I called at the office with a view of seeing whether that had
been accomplished. I understood Mr. Beecher to say that it had,
and he started to get some papers ; Mr. Parsons interposed, saying
that the thing was not finished, and thereupon the matter was
dropped. I still hoped it would be accomplished. It lay in
that way, and there was never anything further said upon the
subject.
I see in regard to something that was done afterwards, that my
friend Mr. Freeman stated that 1 had stated that I had forgotten it,
but I never knew until lately that an arrangement was afterwards
made, which I understand by the Commissioner has been made, by
which security is given that these notes shall be paid, so that the notes,
as I understand now from the Commissioner, are not paid, but ample
security is given for the payment of them. If this is satsifactory
security, it is satisfactory to me.
Q. [By Chairman of the Committee.] It was stated by Mr.
Parsons, that the Insurance Commissioner required the company to
make up the loss which had resulted from the advance of
money to purchase stock — $125,000, and also the Mr. Tracy's
note, and that after the Insurance Commissioner had made that
requirement, that certain individuals had put up securities to cover
any possible loss arising from the transaction?
A, It is not, then, as ample as I supposed it was. My idea was
that inasmuch as for three years that stock had been represented as
paid in full ; it was the duty of the company to see that it was paid
in full at once. It seems now that this security is not for all these
notes, but for the one of Mr. Tracy's.
Q. [By the Chairman.] His note and the $125,000 advanced by
him to buy stock ?
A. That is not as ample as I supposed it was.
Q. [By the Chairman.] The two sums would be about equiv-
alent ?
A. Yes; these other stock notes I dare say are good; I have no
disposition to say that they are not good. There is a clause in the
43
charter of the company that gives it ■ right to invest in endorsed
notes, though even if they were good, it did not strike me that
they were equivalent to cash. It seemed to me thai the true way,
U) Collect tin' notes. We -truck out the $70,050, for when we
,vas nothing on hand but Mr. Tracy's cote as tra
which is still on hand. The Commissioner saw me on tasl Thurs-
day evening and gave me the information. I don't know whether
I an it correctly. ft Seems now that 1 misunderstood him.
1 mi Bay that the whole thing was secure as if the
whole of those notes were paid in in money. 1 ie bad in his mind ,-i
part, and I had in mind the whole amount of the notes.
\ I ■ . Latters connected with the company were mainly
invee cially the western matters — by other gentlemen
than myself.
her matter I notice, that the investigation here was coin
menced by proving the personal responsibility of a gentleman
whose note was held. We, of course, made no inquiry into the
■■risibility of note-makers. Take all these insurance
companies, audit would have been an arduous task to have inquired
into the personal responsibility of every individual. We took pre-
e course with this company as with all the others. This
company, like all others, is required to loan upon endorsed notes, or
upon a mortgage of double the value of the loan. We did not
in any case upon double the value of the loan, but we did
- r that the value of the property should be equal to the debt
where it was secured by real estate.
Q. [By Mr. Freeman.] Did you make any inquiries into Mr.
sponsibility ?
A. Not one pan
Q. [By Mr. Freeman.] Was his responsibility known to any
member of the committee ?
A. 1 do not know anything about that. The charter of thia
[nines that notes that are unendorsed, and this was
tired by real estate of double the value
of ti
Q. [By Mr. Perkins.] Does not that mean when it is loaned?
A. Well, let it be when it is loaned, but if afterwards, '
.ced so as to be lower than that, I should think that the
1 to at once make it so that it would conform
arter of I not allow it to remain after
not so secured. | Seymour
44
was here interrupted by a book being handed in, and then con-
tinued.] As I said before, this part of the work I attended
to ; the matter of this loan. I did not make any inquiries as to
personal responsibility. I did not suppose it was proper to. It
was a pretty delicate matter to inquire into. I know that men
who are worth money sometimes fail. I did not suppose that trust
funds were to depend upon the personal security of any one per-
son. This is the only piece of property that I caused to be ap-
praised. I asked a very worthy gentleman of Willimantic, well
acquainted with the value of property, to make an appraisement of
the property that was mortgaged. The debt was $18,000. There
was some interest that had not been paid upon it, due and unpaid,
if I remember right. I caused an appraisement to be made. He
looked at the property, and so also did I. This gentleman named
about one thousand dollars less than I have put down. He said it
was worth $8,000 or $9,000. I put it down at the larger sum —
$9,000 ; which is one-half the amount loaned, and gave myself
credit for treating the company liberally in the matter. There is
no doubt about the charter. I examined it with great care. In
the first place, the company may loan on an endorsed note ; this
was not endorsed. Second, or on real estate double the value of
the loan. In my judgment, it was an improper thing to remain at
a higher value than $9,000 in the assets of the company. I took
the same course in this case as in all other cases of like kind. Mr.
Parsons was inquired of by one of the committee concerning the
date of the loan. It was dated November 11, 1873. The security
is on a number of building lots in the village of Willimantic,
unoccupied, all of them. The property mortgaged is valued in
company's annual report, at $40,000. As I before said in regard
to the West, Mr. Cleveland visited the West two or three times.
I know but little about the western loans. In looking over the dif-
ferent loans and parcels of real estate belonging to the company,
after the investigation I had made, it had become an important
matter. We did not know but we should be obliged to report the
company as insolvent to the Insurance Commissioner. We there-
fore looked critically at all the figures. I found the note against
Mr. Forsythe entered as a loan of $163,000, and that $4,075
interest was entered as accrued upon it ; and that- it was upon
an investment at ten per cent, interest. I called for those
notes at the insurance office and found that they were payable a
number of years ahead, and without interest, and that the notes
4. r >
D taken in an unusual form. As I said before, when I
found anything unusual I followed it np to Bee what it meant I
found that in regard to the first of these notes there was an inter*
linoation. in pencil, of the wonls. "with interest." ! did doI
understand what it meant. I made some inquiry about it. I
thought it a little peculiar, and upon finding how this was, l made
fullinqui] atlemen there, how this happened, and they
what Mr. Freeman has said here substantially, that it wai
Otly as it was: and in OODSequence
had stricken out from their report the whole item of it.'
mortgages amounting; as was stated, to about the same sum as the
this $163,000 was over the true value of that note.
Q, | By Mr. Perkins.] You say they struck out the whole item
A. The whole item.
Q. | By Mr. Perkins.] Accruing or accrued inter* s(
A. Both. The printed account and the account here exhib-
orld are very favorable to the condition of the assets
of this company in regard to this fact. Most every company had
ort a great deal of interest due and unpaid. This company
appeared to have all its assets in such a condition that there was
no interest that remained due and unpaid on their mortgages.
that was so, then it was just exactly another instance of equivalent <.
The thing was not entered as it was, but it was an equivalent
according to that explanation, and, so far as it affected the assets
e company, there was nothing to complain of ; but, as I stated
re, it did not seem to me to be right. It was suggested, I
think, by Mr. Freeman that there was difficulty, and they did not
know how to put it down — that $163,000. It did not seem to me that
then -thing in that. The annual statement exhibits a sum
down as interest accrued upon notes that did not bear into.
strike me as being exactly right, but I had
customed to equivalents, and said nothing
about it until I heard about this double set of notes, and that I
< were procured after this statement was made, if I DJ
-. I^7."». I had no idea it was done for the pur-
pose of putting thern in twice, but to show that this ■ interest
There is another Western loan matter which I have very little
to call the attention of tie committee to it ; that
to the Cement April, L8V3. I n
46
report now, so that I can explain: [" In April, 1873, the Conti-
nental Life Insurance Company loaned to Haskin, Martin &
Wheeler of Utica, $10,000, taking their note with Cement Com-
pany as collateral security, the Cement Company being a corpora-
tion in the State of Illinois."]
In the first place, in my judgment, it is contrary to the charter
of the insurance company to take that sort of security. I do not
know whether Mr. Perkins has examined in regard to that. There
is something that might mislead one who is not a lawyer in regard
to the construction of the charter, which is this: as finally amended
the clause in regard to this reads, " The capital stock and other
funds of said corporation shall be invested either in loans upon
bonds and mortgages upon real estate of double the value of the
debt secured thereon, or in loans upon or purchase of United
States stocks and bonds, bank stocks, or stocks and bonds issued
by any of the States of this Union, or by municipal or other corpo-
rations, and the same may be called in and re-invested under the
provisions of this act." "Stocks" is connected with bonds, and
in the plural, and not stock. My understanding was that it meant
either bonds issued by these municipal corporations, or stocks ; that
is to say, some obligation of the company of the nature of stocks.
The word " stocks " I construe as meaning stocks as contradistin-
guished from stock. I did not suppose that the legislature meant
that our insurance companies might invest their money in buying
stock in manufacturing companies around the country; in the stock
of the Sharps Rifle Company, or any other. I did not suppose that
they had any right to make any such investment. I did not give
it such a construction. If you look at the word stocks in the
plural, in the dictionary, you will see that it speaks of it solely as
obligations in the form of bonds, or other obligations in the form
of stocks. That is the way I construed it, but I may be wrong.
It is a matter of some consequence; that is the reason why we
caused this statement to be made so particular as it is in our
report — to which please refer. All this seemed to us to be in vio-
lation of the charter, and a very imprudent transaction.
And now, as we were informed, and as I understand Mr. Parsons
to say, the company is carrying on the business, and he says it is a
profitable thing. If this insurance company has applied trust funds
to the business of manufacturing cement out in that country, or in
cement works, it seems to me a bad thing. I can conceive of nothing
more at war with my idea of what ought to be done with trust funds,
47
Mr. Perkins and 1 were brought up to regard t he management of
funds with pecnli 1 do not think i court of dhaii
would allow the investment Of trust funds in cement works in
a foreigl t anywhere else. 1 may be mistaken, hut that is
the view 1 take of it. 1 therefore state these facts in full. All
ear on the question of how this company ha- been
aged — whether prudently, fairly, and honestly or not; and I
have staled the facts now as far as I know that bear upon that ques-
tion. We thought that the management had been at least reckless,
not only in this, but in many other instances; but in regard to BOme
of them — I do not know who did it. Mr. Tracy may have done it all —
one dishonestly charged the Farmers and Mechanics Bank
with large deposits that were never made. Somebody was dis-
honest in giving or obtaining certificates of deposits from the
and Mechanics Bank for a debt, even in the most favor-
able view of it, a debt due from Mr. Tracy. I did not suppose
that it was even that, but a mere cover.
On the 3 1 st of December, evidently, as it seems to me, with
a view to preparing for an annual statement, a lot of enl
are made upon this pass-book. They appear to be made on
the 30th of December. Whether they were made on the 30th
of December or on the second of January, I have nothing to
say. 1 take it for granted that they were made on the 30th of
December. What was done ? Just as they were about to make
their annual statement, the Farmers and Mechanics Bank was
charged which I never did understand; $133,534.90,
which 1 do understan 36.40, and $186,917: this last item
then first put upon the pass-book. This $186,917 is on the books
of the Continental Company, June, 1875, the committee will
remember, but not entered upon the pass-book until December 30,
1876. That may have some bearing upon the question whether
they It would seem that, if a real discount
was intended, the proceeds of the discount would have been
entered on the pass-book in the day and time of it. and not
teen months after.
all these transactions occurring on the 30th day of I»
ber, impressed upon my mind, irresistibly, tins conviction: that it
was a in- !i for the annual statement to be made upon
next day, and a preparation, by the way, of making charges
which, in the lirst place, kept out of sight a grea p Jems that
the • . able
48
purpose of covering certain things, and also of showing themselves
to be the owners of a large amount of money, which they were
not. That appeared to me a palpable preparation for the annual
statement. It may be that no one but Mr. Tracy knew about
it. Some one knew it. I have been in the habit of inter-
preting entries on books for a long time, and the foregoing is
my interpretation. In that view of the subject, I thought it to be my
duty to state it. I have not stated these matters as strongly in
the report as they lay upon my mind. I use greater freedom here
because 1 think it 4 my duty. I have stated them as I understand
them to be, and precisely as they lie upon my mind and convic-
tions. I thought it our duty to examine fully, and to state the
facts as they appear to me to be. I have stated them now fully to
the committee, and if I have done any injustice to the company
I regret it, but I do not think I have.
Q. [By Mr. Freeman.] In the matters relating to the " Forsythe
loan," do you speak of your own knowledge ?
A. In regard to the loan and investment, I supposed it an indis-
putable matter. I got it mainly from Mr. Cleveland.
Q. You didn't go West ?
A. No, sir; I have no personal knowledge in regard to those
things; I never saw Mr. Forsythe or any of those people at the
West. I think there were affidavits shown to me by Mr. Cleveland
confirmatory of these matters; but I took it for granted that he,
as a member of the commission, states the facts as they were. My
personal knowledge is mainly confined to the investigations here.
And now there may be many things in which I have not made
myself clear to the committee; if there are, I am desirous of
stating them; and if they favor my friends here who appear for
the company, I shall be glad to give them the benefit of them.
Q. [By the Chairman.] We understand you to say that the
interest due and accrued, dropped from their statement, included
also a computation from their statement on the Forsythe loan?
A. As I understand it, the Forsythe loan was not on interest.
Q. They dropped from their statement a certain amount of in-
terest — between forty and fifty thousand dollars?
A. Yes, sir.
Q. If I understand your report, that included the computation
of interest from their statement on the Forsythe loan?
A. Yes, sir. There is included in the statement of the assets of
the company, $163,000 loaned; the $4,075 is put down there as
interest accrued All the accrued interest on -
88 and includes the $4,075, which was computed as interest
scorned on the Forsyth loan: all the s'JC/.mi;, - irk out.
[By Mr Perkins.] 1 suppose the point of the question is t«>
see whether that is in twice or not?
A. | By the Chairman.] Fes, sir.
Mr. I'kkkins. Well, as 1 understand it. it i> not in twice.
In answer to a question by the chairman. Judge Seymour an-
A. The facts about that as I understand it are, that the paper
held on the 30th December. 1876, against the Sharps Rifle Com-
pany amounted to $133,534.90, and that the papers representing
that amount were handed over to Mr. Tracy and charged to the
Continental Company.
In answer to question by the Chairman:
A. The fact is <imply this, in regard to that: The Sharps Rifle
Company issued bonds to the amount of $150,000, and secured
those bonds on machinery ami land, the land being subject to a
prior mortgage. It became a question after these bonds were
given, how they should be divided between the Farmers and Me-
chanics Bank on the one hand, and the Continental Life Insurance
Company on the ether. They concluded to divide them as follows:
nental to take as their share, 8102,000; the Farmers
and Mechanics Bank S47,000; and SI, 000 I don't know what be-
came of. That I do not understand to be the real representation
of all the paper they had. Whatever they had, they had secur-
ity for only $150,000. The question was. how the $150,000
should h 1 never heard any explanation of that $133,-
000. except one time Mr. Parsons turned to the book-keeper and
said, "Is there not a certain loan included," which he named.
somebody? " and the book-keeper said he could not tell. I asked
why he could not tell: 1 never was able to get the figures. I in-
quired whether they could show me those items so that I could know
a little more about it, whether they were good or not; and
could not show them to me.
Q. [By Mr. Freeman.] They were notes and drafts paid?
A. Very likely. The committee will see that Lnasxnuc
sent of owning $133,000 on the question of solv-
- as long road. There is one thing that 1 ..
'rrect in the matter of the Farmers and ink. Mr.
50
Parsons was right and I was wrong. I knew about how its stock
was reduced ; we were all together, and I stated the amount of that
reduction, and said that fourteen per cent, was to be added to the
present amount of stock, and our figures are a clear mistake. The
company are entitled to the benefit of that on the question of solv-
ency. There is a deduction there of the amount stated by Mr.
Parsons of about $4,200. There are some other small matters
affecting the question of solvency on both sides.
Q. [By the Chairman.] You state in your report, "we do not
credit it with any gain," etc. [See report.]
A. Yes. * * * It would be a very great labor for us to go
through and see what they had made by interest; indeed, we could
not do it. I did not go through it to estimate it; I stated that I
didn't add anything.
Q. You also state, "we estimated nothing for low mortality ; "
was that because you did not believe there was any gain on that
account ?
A. No, sir; but because that. was an estimate that I understood
never entered into the estimate by any company.
Q. You also state, " after careful examination, etc. * * *
$182,000."' You didn't make any estimate for the balance of the
year?
A. No, sir; I barely stated it down to that time.
Q. The management estimated for this, two months $42,000?
A. It is undoubtedly true that there was a very unusual gain
in that company by surrendered and lapsed policies.
Q. [By Mr. Freeman.] Are we entitled to the gains of two
months ?
A. Yes, certainly; they could not be told exactly, except by
careful examination. In the " Charter Oak " they kept the accounts
so that they could tell us every month what was gained in that
way, but in the Continental they did not; from the time we first
began our examination there, from January down, we required the
Charter Oak to make that estimate, and they made it.
To a question by Mr. Perkins, Judge Seymour answered, that he
made no estimate of the gains in the manner above referred to.
[Mr. Perkins.] It reads, " We estimated no gains." This, it
seems to me, is liable to be misunderstood.
[Judge Seymour.] If it is liable to be misunderstood, it is my
fault. There is another place in our report which is liable to mis-
construction, where we state that "February, 1877, these vouchers
51
were returned U) the company by Mr. Tracy and the certificatt
I know QOthing about vouchors being returned.
ed by Mr. Parsons, and I set it down in our report in
that way in deference to him.
That was as I understood Mr. Pa be, bul it Lb differ-
ent from the account given by Mr. Tracy. He said that he held
this stock in his name u trustee; he went to the Continental Com-
pany and transferred it. as it was nil duty to do, being trustee for
them, ami that lie received these Certificates of deposit in 61
change. He was undoubtedly anxious that they should be destroyed
they would l»e very much against him as bogus certificates, and 1m
burned them.
<,>. | By the Chairman.] Do you know whether the Sharps
Rifle Company are still held as security for their loan ?
A. I know nothing about that. I have a full history of Sharps
Rifle Company affairs as derived from Mr. Tracy; it is not a very
suit thing to st;
The stock, in February, 1877, was transferred, all of it, to one of
the officers as trustee. I don't like to name who.
Q. [By Mr. Perkins.] Was he an officer of the company at the
time?
A. I suppose he was. I have been very careful to mention no
names in all this history. I mention the company because it would
be a very unpleasant thing to name individuals. He had nothing
to do in the original procuring of the Rifle Company's stock. 1
took it for granted that Mr. Parsons and Mr. Beecher were familiar
with the affaire of the company. If Mr. Winchester was mixed
with it. I don't know anything about it. I seldom made any in-
quiries of him.
In reply to a question by the chairman. Judge Seymour said:
• 1 can state that so that I think it can be fully understood, and in
doin<: that, 1 don't know as I shall need to go back of the ru!« I
have adopted in stating anything that Mr. Tracy said, which was
confirmed. The Rifle Co. stock was originally owi
Mr. by four : Mr. Tracy, Mr. I Mr.
iher, and Mr. Westcott They remained own vmetime.
I looked through the stock-book. I saw that Mr. Westcott'i
shares were tr I to Mr. Winchester as trustee, Mr. Parsons'
- were b I to Mr. We
time in L875, I think. I have all these minu .me.
•dl that stock came into the hi
52
of Mr. Winchester as trustee. - 1 made inquiry of Mr. Winchester,
for whom he was trustee, and it was the only occasion where he did
what I was sorry for, he declined to answer. I did not press Mr.
Winchester for an answer, thinking at some time he would give me
the information, but he did not. I impute nothing wrong to him
in this matter.
Q. [By Mr. Freeman.] Did not Mr. Beecher and Mr. Parsons
both tell you that they never had any pecuniary interest in the
Sharps Rifle Company?
A. If they did, I had seen the stock book, and supposed the
fact was otherwise.
Q. But didn't they tell you?
A. If they did, I should think it was very much against them.
Q. Did they give you any explanation how that stock came to
stand in their names?
A. They did not. There is a history about that company which
I will give if desired, but I don't think you want it — that is, if Mr.
Tracy is to be relied upon. I regarded that Sharps Rifle Company
business and the loan to it as an extraordinary transaction. I sup-
posed it was a loan made for the benefit of gentlemen connected
with the company. In the next place, it was a very strange loan,
at any rate, a loan without adequate security, though they finally
did take a mortgage, but it was originally without any security.
Q. [By Mr. Buck.] With reference to the purchase of the
stock by the company, you said that it was paid for by the com-
pany. Do you know in what manner they paid for it?
A. By furnishing Mr. Tracy with the money, and he paid it to
the person whom he bought the stock of. Of course, as their money
went out they had got to show for it somewhere, and it wouldn't
do for them to show that it was for the purchase of the stock, and
it was put into the cash account as cash, and the certificate of
deposit was taken in the way I have stated.
Q. [By Mr. Buck.] You left out the second statement of $86,-
075.
A. The $86,075 I left out on purpose. I will state, if you
wish, all I know about it.
Q. I would like the committee to see the bank-book of the
Continental Life Ins. Co., in which was charged backwards and
forwards the stock notes.
Q. [By the Chairman.] Have you stated all that you con-
.
:!it for this committee to know in regard t 
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